What is the process of endowment insurance for flexible employees?

1. Application form for flexible employees to participate in basic old-age insurance (in duplicate).

2. A copy of the first page of the personal current passbook opened by the applicant in any of the four major state-owned commercial banks (namely China Bank, China Industrial and Commercial Bank, China Construction Bank and China Agricultural Bank).

3. Power of Attorney for the entrusted bank to automatically settle the social insurance fund (in duplicate).

4. The original and photocopy of the applicant's household registration book.

operation sequence/order

1. The applicant submits the application materials to the Social Security Bureau, and the handling personnel of the Social Security Bureau will review the materials and the applicant's conditions on the spot.

2. Meet the requirements immediately, and print the Approval Form for Flexible Employment Personnel to Participate in Basic Endowment Insurance (in duplicate). One copy shall be kept by the applicant, and the other copy shall be kept by the relevant department after being signed and confirmed by the applicant.

3. If it does not meet the requirements, it will not be accepted, and the reasons will be explained to the applicant.

Any other business

1. Flexible employees pay the old-age insurance premium at the rate of 20% based on the average monthly salary of employees in the whole province in the previous year, and do not declare the annual payment salary.

2. Business applications must be processed during1-25th of each month.

3. The applicant must open a personal current passbook in any of the four major state-owned commercial banks, and at the same time ensure that the account balance is enough to be withheld next month. If the deduction in the current month is unsuccessful, the payment period of the current month will not be recorded, and the resulting vacancy in the payment period will not be paid back.

4, the applicant to participate in the basic old-age insurance, reached the statutory retirement age and meet the conditions of receiving the basic pension on a monthly basis, should be two months in advance to the relevant departments to pay the payment department, to apply for the basic pension procedures.

The relevant departments will release the latest social security news to the society from time to time through websites and public media. Applicants can log on to the website of the local social security bureau or call for enquiries.

In addition, the proportion of endowment insurance for flexible employees is:

The endowment insurance for flexible employees is calculated and paid at the base of 80-300% of the average salary of local employees, and the payment ratio is 20%, of which 8% is put into personal account, 12% is put into social pooling fund, and the cumulative payment is 15. Men over 60 years old and women over 55 years old can receive a monthly pension.

Endowment insurance for flexible employees

Endowment insurance for flexible employees refers to an insurance policy, and some people who have no fixed job, unemployment or re-employment belong to flexible employees. In view of the old-age security of this group of people, the state has promulgated and implemented the old-age insurance policy for flexible employees.

1, introduction of endowment insurance for flexible employees

Flexible employment refers to a way of employment that is different from the traditional mainstream in working hours, income and remuneration, workplace, insurance and welfare, labor relations and so on. Flexible employees refer to those who achieve employment or re-employment in flexible and diverse forms such as part-time, temporary, seasonal and flexible work within the working age range (men are 60 years old and women are under 50 years old), including: self-employed employment, including self-employed and partnership; Self-employed, such as freelancers, lawyers, freelance writers, singers, models, intermediary service workers, etc. Temporary workers, such as domestic hourly workers, street vendors and other odd jobs.

Flexible employees who enjoy social insurance subsidies must register for employment in accordance with the regulations, participate in social insurance in their personal capacity, and pay social insurance premiums in full and on time according to the prescribed payment base.

The stipulated payment base for flexible employees who enjoy social insurance subsidies to pay social insurance premiums is: the basic pension is calculated and paid at 100% of the average monthly salary of employees in the previous year; Basic medical care is based on the average monthly salary of employees in Chengdu in the previous year.

Flexible employees must pay two social security fees for basic old-age pension and basic medical care on time. At the end of each quarter (before 25th), they should hold their ID card, household registration book, re-employment concession card or unemployment certificate, employment registration certificate and social security payment certificate. Disabled people should also apply to the local community labor security workstation with disability certificate, and declare the number of payment months and subsidy months.

2. Preferential policies for endowment insurance for flexible employees

Those who have not reached retirement age and dissolved their relationship with the former state-owned enterprises and did not participate in the basic old-age insurance can pay the basic old-age insurance premium according to the insurance method for urban individual workers from the time when the local individual payment system is implemented, and be included in the scope of basic old-age insurance. According to the provisions of the state, the continuous length of service is regarded as the payment period.

Persons over the statutory retirement age can pay the basic old-age insurance premium and interest from local contributions to the statutory retirement age in accordance with the provisions of the basic old-age insurance for urban individual workers. According to the provisions of the state, the continuous length of service is regarded as the payment period.

3, flexible employment pension insurance payment ratio

The payment base of endowment insurance for flexible employees can be divided into five grades according to the local average salary in the previous year. Flexible employees can choose one of the payment bases and then pay according to the payment ratio.

The first gear: 60% of the average social security salary;

The second gear: 70% of the average social security salary;

The third gear: 80% of the average social security salary;

The fourth gear: 90% of the average social security salary;

The fifth gear: average social security salary 100%.

The above five files are the payment base of endowment insurance for flexible employees. After choosing the first gear, you can pay 28% of the old-age insurance premium and 12% of the medical insurance premium.

How to pay the endowment insurance for flexible employees? Endowment insurance is generally equivalent to a piggy bank, which is paid according to one's salary every year. The general unit will deduct part of your salary, and then the unit will subsidize part. For flexible employees, if there is no company subsidy, they will pay their own fees in relevant institutions, and the general payment time is more than 1 1 year, otherwise they need to make up for the losses.

legal ground

Article 60 of the Social Insurance Law of People's Republic of China (PRC) * * * The employer shall declare and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.