How to pay social security if you don't work in the company? Law kuaiche law consulting

Individuals can also pay social security (unemployment, pension, medical care), but they cannot pay work-related injury and maternity insurance.

The specific steps are as follows:

1, there is a work unit, and the unit does not pay social security for individuals according to law. What should I do?

One way is to report to the labor inspection or bring a lawsuit to the people's court. This method is usually only applicable to the war with the unit and resignation.

Another way is for individuals to pay according to the insurance method for flexible employees.

What are the benefits of insurance payment for flexible employees? Generally speaking, all provinces and cities have reduced the endowment insurance from 28 points to 20 points, and the medical insurance from 8- 10 points to 6-8 points, which means that the endowment insurance can be reduced by 8 points and the medical insurance can be reduced by 2 points. Of course, this is the policy of most provinces and cities, and some places also have their own policies and regulations.

As a result, the personal payment burden has become lower.

If the unit is smart and reimburses the 20 points paid by the individual, it is actually equal to the fact that the unit has also purchased the old-age insurance for the individual, which will not lead to the reduction of the personal old-age insurance benefits, so it will not be responsible for compensation in the future. This is much more cost-effective than the unit buying endowment insurance for individuals.

For some small enterprises, it is a relatively reasonable way to reduce the burden of social security payment with less risk.

2, no work unit, all individuals pay.

This situation involves the insured place and registered permanent residence.

If you didn't participate in insurance in the past, you can only participate in insurance at the place where you are registered, and pay the insurance premium according to the flexible employment policy.

If you are insured, you can renew your insurance directly and then join the insurance according to the flexible employment policy.

For example, someone wants to be insured in Wuhan, but he is registered in Huanggang and cannot be insured in Wuhan according to the policy.

What should we do?

You can take an alternative approach, enter a unit that pays for employees' normal insurance, and only pay once, or even one month, so that you can get Wuhan's social security number and then resign in your own name, that is, flexible employees can continue to pay for insurance.

3, affiliated units insured payment.

This kind of past events is more common, especially the endowment insurance of government agencies and institutions.

In this case, the insurance premium paid by units and individuals is paid by individuals, which is higher than that paid by flexible employment policy.

This situation is not cost-effective, but it is still used.

In fact, it is entirely possible to transfer to flexible employees to participate in insurance payment, and the treatment will not be reduced.