Which grade is appropriate for individuals to pay endowment insurance?

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Today, we will discuss that social security is the guarantee of the state to the people. What is the best grade for individuals to buy social security?

Let's be specific.

This question varies from person to person. If you are an on-the-job employee, you don't have to consider this problem. Individuals who pay social security can only pay endowment insurance and medical insurance. Endowment insurance pays a lot, and the proportion of medical insurance reimbursement has nothing to do with the amount of payment, but only with the proportion of reimbursement in various places. When individuals pay social security, it is reasonable to control the payment fee at about 20% of personal income.

1, social security payment is still reasonable according to personal ability. If the ability is high and the economy allows, it can be distributed according to the highest grade; If the individual's salary is low and his ability is not very strong, it is more appropriate to pay at the lowest level.

2. The monthly payment standard of individual social insurance for the insured is divided into four grades: the lowest grade (40%), the first grade (60%), the second grade (80%) and the third grade (100%). The minimum pension payment (40%) consists of pension, basic medical care+mutual aid for serious illness (8.5%+ 1%) and maternity insurance, with a total payment of 548.57 yuan per month.

The first installment (60%) is 692.37 yuan, the second installment (80%) is 835.97 yuan, and the third installment (100%) is 979.77 yuan.

3. It should be noted that the lowest pension cost is 287.40 yuan, the first, second and third grades are 43 1.20 yuan, 574.80 yuan and 7 18.60 yuan respectively, the basic medical care+serious illness mutual aid line cost is 242.06 yuan, and the maternity insurance is19.

Can I not pay personal social security?

Of course, some friends will say, I also think that more than 900 a month is quite expensive. Can I not hand it in? According to the truth, it is purely personal will for freelancers to pay social security, and there is no problem if they don't, but personally, everyone should pay social security as much as possible.

Which grade of personal social security is the most cost-effective?

The higher the better, the more you pay, the longer you pay, and the more you get when you retire. But it should also be combined with its own economic conditions. If you have enough money, it is still recommended to pay a higher gear. In the case of the same payment period, the level of basic pension depends on the average individual payment index, that is, the historical average of the ratio of its actual payment base to the average social wage. The lower limit is 0.6 and the upper limit is 3.