How is the most cost -effective handling of social security?An article tells you

Boy’s nephew,

The well -known high school teachers in second -tier cities were improper and resigned after the year!

I do n’t want to get a salary, I ’m going out to open a tutoring class.

You can only say one sentence:

No marriage, no house, dare to fight!

But opening a tutoring class is not as good as the unit, you need to pay the social security by yourself.

"Is it good to hand in the community by yourself?", "Do you want to pay it?", "How do you pay the most cost -effective?"

These questions were answered by the sons one by one.

The son knows that except for those who enjoy five insurances and one gold in the unit,

Many people have no units, and they cannot pay five insurances and one fund (or the unit will not pay),

There are only many such people.

So this article today,

How can the son be taught to everyone when you need to pay the social security?

From the perspective of the country, there are only two kinds of people who need to hand over social security:

Liberty, urban and rural residents

Why are these two people,

This has to start with the social security system of our country.

In a narrow sense, our country’s social security system refers to the social insurance system and housing provident fund.

The so -called "six guarantees, two sets of standards, three types of people".

Six guarantees:

Six guarantees are the "five insurances and one gold" we often say,

Two sets of standards:

That is, the five insurances and one fund is divided into two sets of standards according to the amount of the payment and the thick treatment thickness, which are:

Employee social security, urban and rural residents’ social security

Three types of people:

That is, the state divides all social security participants into three categories:

Employees -based on signing a labor contract, the actual labor relationship occurs, such as bank employees Xiao Li;

Freelancers -no formal unit or no labor contract, but earning income by themselves, such as outsourcing video editing staff;

Urban and rural residents -people without work, such as children, students, etc.

The social security participated by these three types of people is different,

Employees in the job participate in five insurances and one fund, and pay in accordance with the social security standards of employees.

Freelancers only participate in medical insurance and endowment insurance, and they are also paid in accordance with employee social security standards.

Residents of urban and rural areas also participated in medical insurance and endowment insurance, but paid in accordance with the social insurance standards of urban and rural residents.

Among the three types of people, the social security payment of employees in the job is basically deducted and paid by the company.

However, freelancers and urban and rural residents need to go to the social security hall to apply for insurance payment.

And these two types of people are the so -called people who need to hand over social security.

In front, this is divided from the perspective of the country,

But in the eyes of our people, the situation will become complicated because of various identities.

Because there are two options of freelancers and urban and rural residents, the people do not know which one should correspond to it.

It is not clear what standards should be paid,

So the son will list several common situations here for your reference:

Xiao Wang was originally an on -the -worker employee. He paid five insurances and one gold.

After resigning, how can he pay social security by himself?

If Xiao Wang’s resignation time does not exceed two or three months, if only social security does not consider buying a local house and settled,

It is recommended to consider temporarily disconnected and find the next job with peace of mind.

For young people, the short -term breakdown of social security has little effect.

Pension insurance can receive retirement salary as long as it is paid for 15 years. It has been retired for 40 or 50 years.

However, there are certain risks, because the medical insurance will not be reimbursed the next month. After a long period of time, the waiting period will be increased before reimbursement.

So when everyone is "hard resist",

It is best to prepare enough medical funds, pay attention to the body, and reduce the illness.

Of course, short -term disconnection is only aimed at Xiao Wang who is a migrant worker like "North Drifting" and "Shanghai Drifting".

If Xiao Wang is working in his hometown, he can still participate in local social security as a freelancer after his resignation.

Regarding the treatment and specific payment of local social security,

You can refer to the second part: "Social Security of Social Security as a freelancer".

If Xiao Wang resigned for a long time, or he simply returned to his hometown,

The son suggested that he transferred the social security account back to his hometown and participated in his hometown social security as a freelancer.

Because of the state regulations, local household registration must be possessed in order to participate in social security as a local or urban and rural resident

The resignation time is too long and the social security disconnection has a greater impact. It is best to return to my hometown to continue the insurance.

If you do n’t work home, the income is relatively low, and you ca n’t afford the social security of the employee.

You can also choose to participate in local urban and rural residents’ social security in accordance with urban and rural residents.

Regarding the treatment and specific payment of social security in accordance with urban and rural residents,

You can refer to the third part of the article: "Participate in social security as urban and rural residents".

If Xiao Wang is a foreigner who considers buying a house and settled locally,

The problem of social security has an embarrassing cycle:

After the resignation of the foreigner Xiao Wang, if you want to participate in local social security, you must have a local household registration.

If there must be a local household registration social security, you cannot disconnect,

You cannot resign if you cannot disconnect,

However, Xiao Wang resigned.

so,

The suggestion that the son can give the foreigner who wants to buy a house in the local area is:

If you plan to buy a house locally, it is best to survive the requirements of continuous social security in one time before resigning.

Or "Lightning Entering" -For the company to pay social security only after the 15th of the company on the 15th,

We can also leave after the 15th of each month, and just join the job before the 15th of the following month.

Otherwise, you will lose the qualification to settle in the house.

Lao Zhang and his wife opened a husband and wife restaurant, which is regarded as a small individual owner.

Due to the age, the husband and wife hired a chef to take charge of the kitchen, and the chef was a helper hired by Lao Zhang.

How should they pay for such individual household owners and individual households to participate in social security?

For individual households,

State regulations can participate in local medical insurance and employee pension insurance in accordance with the status of freelancers.

Similarly, the specific social security treatment and payment method can be found to the second part: "Social security as a freelancer" to find the answer.

For the employment of individual households,

The state stipulates that they can participate in the local employee social security according to the employees of the job.

However, you can only participate in employee pension and medical insurance, unless the local government has other regulations.

And the owner of the individual households should bear a certain percentage of social security costs for the employment,

The specific proportion is the same as employees on the job. You can refer to this article: 2021 The big benefits of the year: The end of the entire network super social security is popular science, and it is read as a "social security expert"!I interpreted it in detail.

The company does not give social security, there are two cases:

Either signed a labor contract, and the black heart boss deliberately not handed over,

Either the signing of labor contracts, proxy contracts, etc., the company has no obligation.

For the first type, the Social Security Bureau telephone 12333, one fare

It is also illegal to not hand over the probation period.Reporting is also useful.

For the second type, such as current outdoers, or agents, anchors, these,

Without signing a labor contract, the company did not obeys social security.

Everyone can only be based on their own economic strength,

I earn more in my hometown and submit the social security of employees according to the identity of a freelancer.

I earn less to pay the social security of residents according to the identity of urban and rural residents.

The specific to the second and third parts corresponds to see.

Yun Yun is a young mother,

The first child went to elementary school, and the second child was just born, less than a month,

She wants to let these two children be handed over, but she doesn’t know what to do?

According to national regulations,

All primary and secondary school students and children can only participate in local urban and rural residents’ social security in accordance with urban and rural residents.

Among them, for newborns, social security will be handled within 3 months (1 month in some places).

The medical expenses incurred in these three months can also be reimbursed.

Therefore, the parents of the treasures must actively run the children.

For specific operations, you can refer to me: Is there something to buy during pregnancy?

Gillian is an undergraduate student in a university in the field. She wants to know how she should pay social security during her studies.

And after graduating, you may work for two years, and then go back to the postgraduate entrance examination to improve his education.

How can she pay her social security during the postgraduate?

The state stipulates that all college students, including college, undergraduate, master’s and doctoral students,

You can participate in the social security of urban and rural residents attending the school.

When participating, the school will be uniformly assisted in handling, and we must pay attention ourselves.

If you are a student who goes back to study after work, the social security of the employees who previously submitted can be sealed or transferred to the social security of urban and rural residents.

However, the son does not recommend turning, and you can go back after reading the master’s degree and then continue to pay employee social security.

Xiaoqin resigned after pregnancy. In the first three years after giving birth, Xiaoqin did not return to work in the workplace.

But during the period of Xiaoqin, there was no employee social security without work. She wanted to know how she continued to pay social security?

National regulations,

People such as housewives/husbands can participate in urban and rural residents’ social security in accordance with urban and rural residents.

There is another situation,

If Xiaoqin is not from Shanghai, but Xiaoqin’s husband is a Shanghai household registration,

When choosing the social security of urban and rural residents, Xiaoqin can participate in the urban and rural social security of Shanghai.

Pay more money and get higher guarantee.

For specific content, please refer to the third part of the article: "Participate in social security as urban and rural residents".

The group of peasants and migrant workers is special,

I use examples to explain.

Xiao Zhang Xiaolin Xiaohuang is a good brother who has grown up in the village. From the perspective of outsiders, they are all peasants.

But their own way of making money can cause them to participate in different social security.

Xiao Zhang is farming in his own place for a year,

Basically, I have never worked outside.

And Kobayashi, in addition to farming, do farm work,

In the farmer season, he will also go to the nearby town to do temporary workers, a few months each time.

For Xiao Zhang and Kobayashi,

The state stipulates that farmers who have peasant farmers and farmers who occasionally go to the city to fight temporary workers in the city,

The social security of urban and rural residents who should participate in the residents of the household registration shall be followed by urban and rural residents.

For specific benefits and law, please refer to the second part of the article.

Xiao Huang is not the same. He lent his land to Xiao Zhang,

He went to work in Guangdong all year round for several years.

If he encounters a situation where the economic environment is not good, he will return to his hometown for several years of farm work, and then return to work in the city.

For Xiaohuang, the state regulations,

As long as Xiaohuang and the employer signed a labor contract for one year or more,

Employers should pay local employee social security for Xiaohuang at work as they are at work.

Similarly, the specific treatment and Fa -paying method refer to the second part of the article.

If the migrant workers go home to work, the social security account can be frozen or go back to their hometown.

How to return to the city in a few years to work in the city, the social security account can also be unblocked and transferred to the cities where the workers are working to continue paying.

For social security payments and benefits of employees,

You can refer to this article: 2021 New Year’s Eve: The end of the entire network of super social security is popular, and it is read as a "social security expert"!

Xiao Li is a college student. After graduating, he works in a big city and enjoy the various social security benefits of big cities.

But his parents far away in his hometown have always been farmers. Because of the lack of publicity and understanding, he has not participated in social security.

Xiao Li now wants to hand over social security. I don’t know what to do?

National regulations,

For the elderly people who participated in the younger parents,

You should participate in the local urban and rural residents’ social security in accordance with urban and rural residents.

They originally participated in the rural areas were Xinnonghe (pension insurance in rural areas) and cooperative medical (medical insurance in rural areas).

However, due to the large gap between urban and rural social security benefits, after the reform, the social security of rural areas and the social security of urban and towns into urban and rural residents’ social security. Since then, the residents of rural areas and urban residents have unified the social security of urban and rural residents.

For specific strategies, you can refer to the "Social Security as a urban and rural residents" in the third part of the article.

The state also stipulates,

For those who are old -fashioned, if you start the insurance after July 1, 2011,

By the time of retirement age, if social security does not pay enough prescribed years, it can be repaid to the prescribed years at one time.

If social security has been paid before July 1, 2011,

It is necessary to continue to pay after reaching the retirement age until it meets the minimum period before you can enjoy the relevant treatment.

How to make up social security for older insured persons,

You can read me: the most complete strategy of social security supplementing the entire network, one article!This is the most cost -effective!

You can see, no matter what group,

All of them are based on one of the three identities of employees, freelancers, and urban and rural residents to participate in social security.

The employee in the job has a company to help withdraw and pay,

Liberty and urban and rural residents can only pay by themselves.

Therefore, the son will introduce these two identities to the insurance next.

How to pay social security and how to pay the most cost -effective?

Similarly, the specific treatment can refer to the third part of the article: "Social security as a urban and rural residents."

Liberty, usually those who do not sign labor contracts with any unit, but earn income by their own abilities,

Internet anchors, insurance agents, outsourcing programmers.

According to regulations, these people can participate in the employee medical insurance and employee pension of employees where the household registration is located.

Freelancers have no work unit,

Therefore, the payment part of the employee’s medical insurance and employee pension enterprises shall be borne by individuals.

Liberty professional status of the payment of employee medical insurance:

How much social security payment is calculated by the following formula:

Social security payment = payment base * payment ratio

in,

The payment base is the average monthly salary of employees in the previous year.

The proportion of payment shall be subject to local regulations. The general personal payment of employees’ medical insurance is 2%, and the company’s payment is 9%.

When freelancers participate in employee medical insurance,

The payment base can only be selected 60%of the local social salary,

The payment ratio can only be 70%of the employees.

For example, Xiao Wang’s monthly salary was 10,000, and he paid 2%per month, and the unit paid 9%per month.

Later, he resigned and did a freelance occupation. The monthly income was 30,000, but he could only pay employee medical insurance at 9,000 local social salary 9,000:

Liberty professional status to participate in the payment of employees’ pension:

Freelancers participated in employee pensions, and the payment base was determined by themselves.

However, the lower limit is 60%of the local social salary, and the upper limit is three times that of the local social salary.

For example, Xiao Wang’s monthly salary was 10,000, and individuals paid 8%of pension insurance per month, and the unit paid 20%.

After resigning and doing freelance, the monthly income is 30,000, and the local social salary is 9,000.

The upper and lower limits that Xiao Wang can pay the old -fashioned insurance are as follows:

Before resigning, pay at the base of 10,000, individual bear 8%, the enterprise bear 20%, pay 2800 per month,

After resignation, the maximum base cannot be higher than the three times the local social salary of 27,000, and it is not less than 60%of the local social salary, 5400.

And the 20%of the enterprise is also borne by individuals, so Xiao Wang pays up to 7560 per month and pays a minimum of 1,512 yuan.

Participate in employee medical insurance and employee pensions as freelancers, although the payment standards are different,

However, the standards for calculation when enjoying the treatment are the same as the treatment of employees.

For example, the endowment insurance follows the "long payment, more payment and more payment",

If you pay a lot of employees, you will receive more.

But no matter how much, it is calculated according to the same formula, and it takes enough 15 years to receive it.

Similarly, in the reimbursement of medical insurance, although the money everyone paid is different, the money accumulated in the personal account is different.

However, when reimbursement in hospitals, the applicable drug directory and reimbursement ratio are the same.

The space is limited, I will not start here, I will not develop here,

You can read my two articles:

2021 Great Welfare: The end of the entire network super social security is popular, and it is read as a "social security expert"!

If you resign, you can’t find a job in the short term, or you will have a freelance career after resignation.

In order to get the most basic social security benefits given by the country, it is recommended that you pay the social security as a free career.

But it should be noted:

Liberty -stricken professionals have a household registration requirements for social security.

Basically, you need to have a local household registration to pay social security as a freelancer.

If you do not, your spouse must be talented.

For example, Xiaoming is a household registration in Shanghai, and Xiaoming can pay social security in Shanghai in Shanghai.

Although Xiaoming’s wife is not a Shanghai household registration, Xiaoming has a Shanghai household registration, and his wife can also participate in the insurance in Shanghai as a freelance.

The operation is very simple,

We only need to take the ID card, hukou book, social security card, and bank card to the local social security hall.

In addition to paying social security as a freelancer, social security can also be paid as urban and rural residents.

Urban and rural residents are basically those who have low income or even have no income.

Such as children, elementary and middle school students, home staff or college students, etc.

They can only participate in the social security of urban and rural residents.

Social security for urban and rural residents is actually a qualified product,

Originally rural residents had rural social security, rural endowment insurance was called Xinnonghe, and rural medical insurance was called cooperative medical care.

Residents of urban and towns also have social security in cities and towns. Pension is called urban residents ‘endowment insurance, and medical insurance is called urban residents’ medical insurance.

However, due to the gap between the social security and social security payment and treatment in rural areas, the gap is too large,

The social fairness was lost, so the state turned the two into one to the social security of urban and rural residents.

So whether it is rural residents or urban residents, the social security of urban and rural residents participating in urban and rural residents

The payment standards and treatment standards have been unified.

Although the social security of urban and rural residents is prepared for residents who do not work,

However, freelancers who have too low income can also choose social security for urban and rural residents who participate in the household registration place.

Urban and rural residents’ identity to participate in the payment of urban and rural medical insurance:

Medical insurance for urban and rural resident

Take the unified payment of residents and charge the government unified subsidy.

Due to the large differences in economic levels in various places, the level of payment and government subsidy are also very different.

The son only uses Shanghai as an example:

From 2020 to the present, the level of medical insurance payment in different ages in Shanghai is as follows:

There are additional subsidies, such as poor households, minimum guarantee households, and family planning children who set up files.

Urban -rural medical insurance is not like employee medical insurance. After paying a certain period of time, you can enjoy it for free.

Instead for one year, for one year, no use.

What you need to pay special attention is,

If it is for newborn urban and rural medical insurance,

The child is done within 3 months of birth, and medical insurance for medical expenses within 3 months is reimbursed.

But after everyone should give the child to the household registration, then go to the local social security bureau to handle it.

Everyone must run for the child as soon as possible. The child is sick and can save one point.

Urban and rural residents’ identity to participate in the payment of urban and rural care:

When the urban -rural care is paid, it is divided into basic accounts and personal accounts.

Basic accounts are the state’s fiscal money, and the annual subsidies are subsidized by hundreds of billions.

Personal accounts are submitted in a grade, with a total of 12 files and a minimum of 100. It is added to 200 and 300 in turn. Generally, it can reach 1500 and 2,000. Specific grades can be determined according to the local economic level. Beijing’s highest grade has reached 9,000.

Residents can choose any of the 12th gear,

At the same time, local finance and state finance will also subsidize each residents. Generally, dozens to hundreds can be subsidized.

For example, Shanghai’s subsidies to local residents pay urban and rural endowment insurance as follows:

The higher the payment level of the residents, the higher the subsidy level.

The pensions and government subsidies paid by residents are included in personal accounts.

By accounting at 2.3%of interest each year.

Of course, the grade and subsidy standards of the payment are different in various cities.

The specific regulations must be subject to local regulations.

Like urban and rural pensions, as employee pensions, at least 15 years must be paid enough to reach the retirement age (currently 60 years old) to start to receive money.

When receiving the money, it is also part of the basic account, and a part of the personal account will be issued.

Treatment of urban and rural care:

Urban and rural residents’ endowment insurance is the same as employee pension,

The pension issued by employees’ pension is composed of a coordinated account and a personal account.

The pension distribution of urban and rural pensions also comes from basic accounts and personal accounts.

Basic account:

Every year, the state stipulates the minimum pension standard for a basic account. This standard will rise a few dollars a year.

In 2018, the lowest pension standard for basic accounts increased from 70 yuan to 88 yuan, and

However, the lowest pension standards in 2020 have not yet been announced, but governments in some areas have improved.

For example, Sichuan increases to 105 yuan per month, Qingdao is raised to 192 yuan per month, and Fuzhou is raised to 190 yuan per month.

Below, the son has compiled the current minimum pension standard for basic accounts in various regions:

personal account:

Like employees, when they retire at the age of 60, the pension we get every month is our personal account balance/139 months.

For example:

Treatment of urban and rural medical insurance:

The medical insurance for urban and rural residents also set up a payment line,

However, different levels of hospitals have different paid lines and the proportion of reimbursement is different.

The higher the hospital level, the higher the starting line, the lower the reimbursement ratio.

The son continues to give you an example in Shanghai:

Shanghai Urban -Rural Medical Insurance Outpatient Reimbursement is different from the personnel, the starting line is different:

The hospital level is different, and the reimbursement ratio is different:

Let’s take a look at the hospitalization reimbursement rules of Shanghai Urban and Rural Medical Insurance.

The reimbursement ratio of hospitals at all levels over 60 and under 60 is different:

Generally speaking, the reimbursement of medical insurance for urban and rural residents is relatively low,

The outpatient clinic is generally around 30,000, and the inpatient reimbursement is up to 17/80,000.

Compared with employee medical insurance, the treatment is much lower.

Don’t be jealous, everyone,

This is also mainly determined by too little money we paid each year.

The urban residence insurance treatment is low. If the economic level allows, everyone should try to choose the higher payment level to pay,

Or the family members have a hukou in economic developed cities, and they can also participate in local medical insurance and pensions as freelances.

Because endowment insurance is implemented, "long payment, more, more payment and more"

Only if you have a lot of time, can you get a lot in the end.

In addition, everyone must pay attention to social security,

Because even if you can’t pay the social security of employees, you must make urban and rural residents social security the last bottom pants.

alright,

For the issue of handing social security,

The son will explain it here,

Regarding other issues of social security, you can also see my ultimate science of social security:

2021 Great Welfare: The end of the entire network super social security is popular, and it is read as a "social security expert"!

If you do n’t understand, you can read it privately.

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