Hejian city freelancers pay social security in three ways.

It should be a far-sighted choice for freelancers to pay social security, and all three ways can be chosen.

1. How do freelancers

Hejian city freelancers pay social security in three ways.

It should be a far-sighted choice for freelancers to pay social security, and all three ways can be chosen.

1. How do freelancers choose to apply for social security?

At present, social security suitable for freelancers can be divided into two categories. First, handle endowment insurance and medical insurance for urban workers; The second is to handle endowment insurance and medical insurance for urban and rural residents. These two kinds of social security are more suitable for freelancers, who should choose according to their age structure and economic situation.

If you are young, such as a freelancer under 45 years old, with good economic conditions and high income, it is recommended to apply for endowment insurance and medical insurance for urban workers; For freelancers over 50 years old, with average economic conditions and unstable income, it is suggested to apply for endowment insurance and medical insurance for urban and rural residents.

Second, how to handle and pay social security for urban workers?

If you choose to apply for social security for urban workers, you can bring your ID card to the office hall of the Social Security Bureau where your household registration is located, and you can choose to apply for endowment insurance and medical insurance. Among them, the old-age insurance is based on the average wage of the local society and is divided into three payment grades: 300, 100 and 60%, which can be selected according to their own economic situation. The contribution ratio is 20% of the average social wage, of which 12% is credited to the overall account and 8% to the personal account; The proportion of medical insurance payment is 8%, of which 6% goes to the medical fund and 2% goes to the personal account, that is, the money that goes into the personal social security card every month.

Freelancers who apply for social security for urban workers, who have paid the old-age insurance for 15 years, men who have reached the age of 60 and women who have reached the age of 55, can receive the basic pension according to the regulations; Men pay medical insurance for 25 to 30 years, and women for 20 to 25 years. After retirement, I will no longer pay medical insurance and enjoy medical insurance benefits for life.

Third, how to handle social security for urban and rural residents?

If you choose to apply for social security for urban and rural residents, you only need to fill in the application form, and the county-level social security department will start to pay after it is approved.

You can also apply for endowment insurance and medical insurance when applying. Among them, the old-age insurance is divided into 12 payment grades, which can be selected according to their own economic situation. The old-age insurance for urban and rural residents adopts a combination of state subsidies and individual contributions. If the minimum payment is 100 yuan per year, the government will subsidize 30 yuan every year. If the payment is above 500 yuan, the government will subsidize 60 yuan every year. The higher the payment, the higher the subsidy.

If the payment has reached 15, both men and women who have reached the age of 60 can receive the basic pension according to the regulations. If you are over 45 years old, you can take a one-time payment method. After the payment is completed, you can receive a basic pension on a monthly basis when you are 60 years old; Medical insurance for urban and rural residents adopts the policy of one-year payment and one-year enjoyment. There is no personal account, and the government also gives some subsidies. After retirement, you need to continue to pay medical insurance to enjoy medical security benefits.

To sum up, freelancers can choose to apply for employee social security or resident social security according to their age structure and economic situation. Under the age of 45, it is recommended to apply for employee social security, with high social security contributions and better treatment; If you are over 45 years old, it is recommended to apply for social security for residents. Residents' social security contributions are low, and their treatment is relatively lower than that of employees.