How to pay personal social security in Shanghai is better?

The first is the social security for urban workers paid in the social security center where the household registration is located.

The condition is that urban residents, with registered permanent residence and no job, choose to pay their own social security for old-age care and medical care. Social security for urban residents is not easy to handle. Generally, most people will pay social security, pension insurance, medical insurance and unemployment insurance for urban workers through local social security centers. Although unemployment insurance is useless, they still have to pay it.

The payment base refers to the local average wage of employees in the previous year, in which the minimum payment base of endowment insurance is 40% of the local average wage in the previous year, and the payment ratio is 20%. The minimum payment base of medical insurance is 60% of the local average salary in the previous year, and the payment ratio is 5%.

Take the old-age insurance in Beijing as an example. In 20 16, the average monthly salary of Beijing employees was 7706 yuan, and the minimum payment was 7706*40%*20%=6 16.48 yuan. Other areas can be brought into the local average wage calculation.

In Beijing, the social security paid by oneself is divided into three grades: low grade, medium grade and high grade. Pay 1 0,030.96 yuan per month for low grade, 1 0,357.87 yuan per month for middle grade and 20 1.25 yuan per month for high grade.

I'll tell you why it's best to hand it in at the lowest level.

As I said at the beginning, the proportion of ordinary employees paying social security is much higher than that of individuals. For example, pension insurance companies in Beijing pay 19% and individuals pay 8%, and medical insurance companies pay 10% and individuals pay 2%. The part paid by the unit is included in the overall social security account, and the part paid by the individual is included in the personal account.

If the money in the individual pension insurance account is not collected before death, it can be inherited. The money in the personal medical insurance account can be directly returned to your own medical insurance passbook, which can be withdrawn at any time, or returned to your own medical insurance card, and you can swipe your card when you see a doctor; However, the money in the overall account, that is, the money in the social security pool, is everyone's * * * property. It's hard to say how much it can spread on your own head, and it's not overpaid.

If you pay social security yourself, although all the money is paid by yourself, only 40% is included in your personal account, and the other 60% is included in your overall account. Is it a loss? So it is best to pay social security according to the lowest level.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.