With the continuous development of the economy and the Internet, there are more and more forms of flexible employment and people, but they will also face a series of problems such as illness, unemployment, and pension.
So if you are a flexible employer and want to participate in social security to give yourself a guarantee, how should you pay a good deal? Let's talk about it from several aspects to give some reference to the neighbors.
Distinguish between insurance types and rates
The common types of insurance are employee social security and urban and rural residents' social insurance, and the types of insurance they participate in are different, and the fees to be paid are also different. The amount of social security contribution = payment base × payment rate, and a new upper and lower limit of the payment base, or payment grade, will be determined every year.
Currently, there are three types of flexible workers who can choose to participate. Let's take Guangzhou as an example~
(1) Social security for employees
(1) Employee medical insurance: the lower limit of the payment base is 5,996 yuan, the upper limit is 29,979 yuan, the rate is 6.5%, and the minimum payment is 389.74 yuan;
(2) Employee pension insurance: the lower limit of the payment base is 5,284 yuan, the upper limit is 26,421 yuan, the rate is 20%, and the minimum payment is 1,056.8 yuan;
(3) Unemployment insurance: the lower limit of the payment base is 2,300 yuan, the upper limit is 38,032 yuan, the rate is 1%, and the minimum payment is 23 yuan.
Note: For flexible workers, all expenses need to be borne by themselves, but only the proportion paid by individuals will go to personal accounts.
(2) Social security for urban and rural residents
(1) Medical insurance for urban and rural residents: 549 yuan/person for other insured persons in 2024.
(2) Pension insurance for urban and rural residents: there are 7 annual payment grades, which are 360 yuan, 600 yuan, 900 yuan, 1200 yuan, 1800 yuan, 3600 yuan, and 4800 yuan.
The standard of treatment for different types of insurance
(1) Medical insurance benefits
1. Medicare retirement
Employee medical insurance needs to be paid monthly to enjoy medical insurance reimbursement treatment, and after reaching a certain number of payment periods, they can enjoy lifelong medical insurance treatment without continuing to participate in insurance.
The medical insurance for urban and rural residents needs to be paid within a fixed time every year in order to enjoy the annual medical insurance treatment.
2. Medical insurance reimbursement
(1) Minimum payment line: 250 yuan for first-level medical institutions, 500 yuan for second-level medical institutions, and 1,000 yuan for third-level medical institutions.
The medical insurance for urban and rural residents is 150 yuan for first-level medical institutions, 300 yuan for second-level medical institutions, and 500 yuan for third-level medical institutions.
(2) Reimbursement ratio exceeding the minimum payment line:
(Employee Medical Insurance)
(Medical Insurance for Urban and Rural Residents)
(2) Pension insurance benefits
Pension insurance treatment mainly depends on the individual's payment period and payment grade, if the payment period is longer, the higher the payment grade (base), the more pension will be received when you retire in the future.
(3) Unemployment benefits
You can freely participate in unemployment insurance, and if you are unemployed, you can also enjoy unemployment benefits of 2300 * 90% = 2070 yuan.
It's up to you
From the above, we can understand that if the insurance is calculated based on the minimum payment, it will probably cost:
Employee social security premium = 389.74 + 1056.8 + 23 = 1469.54 yuan / month;
Social security premiums for urban and rural residents = 549 + 360 + 23 * 12 = 1185 yuan/year;
Summary: It is mainly based on your own economic situation to choose, if you have more money, you can choose to participate in employee social security, after all, all aspects of treatment are relatively cost-effective.
If the economy is more difficult, in order to protect your social security rights and interests, you can first participate in the social security of urban and rural residents.
If you still want to know more about social security, retirement and other knowledge, welcome to pay attention!