Without a formal job, how to pay social security? These five strategies will help you enjoy social security benefits
For friends with formal jobs, the company will pay social security on time every month. As long as you do your job well, you can enjoy the benefits brought by social security after retirement without any worries. Although today’s young people prefer freedom Occupation, but among middle-aged and elderly friends, they prefer social security; but a large number of friends do not have formal jobs, and they do not know how to pay their social security; the way of working at will, you really don't need to look at the leader's face, what you want to do How to decide; maybe the income of freelancers is not low, but the social security you want does not know how to pay; the following editor will share with you, five strategies for personal payment of social security, friends who want to know, hurry up Follow me to see it together!
- What social security can freelancers pay?
As a freelance worker, since you have the idea of paying social security in your heart, you must understand clearly the social security methods that individuals can pay; regular employees have to deduct a part of the money from their salary every month to pay social security on their behalf. Some friends may say This part of the money is already quite a lot. If all the expenses are paid by individuals, it will be more expensive; most of the expenses paid by office workers include five insurances and one housing fund, which is unavoidable for any office worker; but freelance work When paying social security, people do not have to pay all of them, and the state does not force payment, but some areas have restrictions on purchasing houses, children’s education, and settlement, etc.; freelancers can pay by themselves through the location of their household registration. You can pay according to your strength.
- Understand the social security benefits clearly, and it is not too late to decide to pay
Although freelancers can pay social security in an individual way, compared with regular employees, the enjoyment policy after retirement is definitely different. After all, the two payment methods have different payment bases; although the company pays The base is relatively high, but a large number of friends are tired of the 996 work system of working overtime every day; there are friends who become freelancers everywhere, but many friends still have the idea to continue to pay social security in order to have a good life after retirement; but Everyone also needs to be clear about the benefits of personal payment of social security; employees’ social security can be reimbursed for outpatient doctor visits, while social security paid by freelance individuals may only be reimbursed in hospital; the amount of pension after retirement is also different, everyone decides to pay Before, think about the problem inside.
- The benefits that freelancers can enjoy by paying social security
Freelancers choose to pay social insurance, naturally they go for welfare benefits; the social insurance paid by individuals is mainly pension insurance and medical insurance. After paying for 25 years, you can continue to enjoy benefits after retirement; such as maternity, unemployment, work-related injury insurance, there is no need to pay for freelancers. Even if they choose to pay, most people cannot enjoy the benefits brought by these three types of insurance. ; The social insurance paid by individuals generally has a relatively low reimbursement ratio, which is much lower than that of formal employee social insurance; freelancers who choose to pay social insurance can continue to enjoy the social insurance policy, but the benefits in all aspects will be lower.
- Residents’ social security payment is low
For formal employee social security, the unit pays most of it every month, and the individual also pays a few hundred yuan each month, which is relatively high; some people do not consider welfare benefits at all when paying social security, but only consider the payment This is the reason why many friends voluntarily give up employee social insurance and choose to pay social insurance by themselves; compared with employee social insurance, the cost of resident social insurance is indeed much lower, but the benefits they enjoy are different, which is something that many friends cannot see; If the income conditions permit, it is recommended that you pay employee social security. After all, everyone chooses to pay social security in order to enjoy better treatment after retirement.
- Common problems that freelancers need to pay attention to when paying social security
When freelancers pay social security, they need to consider their own income. If the payment is cut off due to economic pressure, it is easy to lose the benefits brought by social security; I believe that there are a large number of friends who are worried that their social security cannot be accumulated. To 15 years; you must understand that retirement age is not a condition for receiving pensions. The number of years you have paid in the past is the most important factor; now there are delayed retirement policies everywhere. pensions, but also need to choose to delay retirement.