If you want to buy old age social insurance, how to buy social pension insurance

In fact, the future of social security is difficult, but it is indeed a very good thing, if there is a unit to pay!

If you buy it in full, it is still not recommended.

Because a large part of the money paid by myself will go into the overall account, only 40% will go into the personal account.

If you don't have a unit, it is recommended to consider commercial insurance.

It is certainly appropriate to buy social security at the age of 30, but my suggestion is to pay through the unit, if you are a full-time wife, my advice is to buy commercial insurance yourself, Chinese life insurance is very simple, through the combination and matching can meet different levels of different needs of customers.

Yes, 15 years is the minimum standard.

Yes, the minimum payment period of endowment insurance is 180 months, that is, 15 years, you can pay more, and you can receive more at that time. At the same time, the pension insurance can be accumulated to calculate the payment period, that is, intermittent payment is allowed.

When you reach retirement age, you can apply for pension benefits.

There are 2 ways to handle social security:

The payment in the name of the individual needs to apply to the social security bureau where the household registration is located, and the insurance procedures include: my ID card, two recent bareheaded one-inch **, premiums, application forms, etc.

And only two kinds of pension and medical insurance can be handled.

The amount of social security contribution is calculated based on the local average salary of the previous year, and it is not the same every year.

For example, if the average salary of a community is 20,000 yuan, then the pension insurance payment is 20,000 * 20% = about 4,000 years, and the medical treatment is 20,000 * 10% = about 2,000 years.

2) Or participate in the insurance in the form of a unit.

It is a foreign household registration, and social security can only be purchased through the unit.

In addition, if you talk about social security, it is better to pay through the unit, because the unit will bear a large part of the cost for us, and then reduce the pressure of your own payment.

Moreover, the unit mode can participate in 5 insurances and 1 fund, while the individual mode can only participate in 2 types of pension and medical insurance.

I am from Pingdingshan City, you can go to the third floor of Huacheng Building, Zhongxing Road.

It takes a long time to pay and in the end it is too much, and after retirement, the medical treatment can also be reimbursed, and if the number of years is small, you also need to pay medical insurance after the push, you can go to the local Rancai exchange center to handle it.

Legal analysis: These two insurances are only for the social pension insurance implemented by different groups of countries.

The social security purchased by the unit is also called urban insurance, which includes: endowment, medical care, unemployment, maternity and work-related injury insurance. It is a joint payment, and the amount of payment is determined according to the individual's salary, and the payment is higher, including the unit payment and the individual payment.

The insurance benefits received after retirement include the overall (unit payment) and individual contributions, and the pension insurance is also relatively high.

The endowment insurance bought in rural areas includes endowment and medical insurance, and they are paid separately. The payment of rural endowment insurance is only individual contributions, and the payment amount is 100 to 2000 per person per year; Voluntary Choice of Contributions is adopted. The pension received after retirement includes two parts: national pooling (70 yuan) and individual contributions.

The pension benefits received are lower.

Legal basis: Social Insurance Law of the People's Republic of China

Article 10 Employees shall participate in the basic endowment insurance, and the employer and the employee shall jointly pay the basic endowment insurance premiums. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance at the employer, and other flexibly employed persons may participate in the basic pension insurance, and the basic pension insurance premiums shall be paid by the individual. The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

Article 18 The State shall establish a normal adjustment mechanism for basic pensions. According to the increase in the average salary of employees and the price of goods, the level of basic pension insurance benefits should be increased in a timely manner.

Article 19 If an individual is employed across the overall planning area, his basic pension insurance relationship shall be transferred with him/herself, and the payment period shall be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated and paid in stages. The specific measures are stipulated by ***.

Article 20 The State shall establish and improve a new type of rural social endowment insurance system. The new rural social endowment insurance implements a combination of individual contributions, collective subsidies and subsidies.

Article 21 The new type of rural social endowment insurance benefits shall be composed of basic pensions and personal account pensions. Rural residents who participate in the new rural social endowment insurance and meet the conditions stipulated by the state shall receive the benefits of the new rural social endowment insurance on a monthly basis.

There are two ways to purchase social insurance, one is that the employer purchases it for the employee, and the other is that the individual purchases social security by himself.

Units purchase social security:

The social security paid by the unit is jointly borne by the employer and the employee, and the proportion borne by the employer is the endowment insurance, with the unit paying 20% and the employee paying 8%. The employer bears 12% of the medical insurance, and the employee bears 2%. Employers bear 2% for unemployment insurance and 1% for employees.

The maternity insurance is borne by the employer, and the individual does not need to pay it.

Individuals purchase social security:

Citizens can pay social security in the name of urban and rural residents, but this kind of social security is more restrictive, only local residents can buy, residents of other provinces can not buy, and residents can only buy endowment insurance and medical insurance, can not buy unemployment insurance, work-related injury insurance and maternity insurance.

Social security includes: endowment insurance, medical insurance, maternity insurance, unemployment insurance, and work-related injury insurance.

1. Pension insurance, that is, you can get a pension after retirement. The employer and the employee jointly pay the fee. After paying more pension insurance, he will receive more, and Duan Zhao will receive more after paying for a long time.

After a total of 15 years of contributions (it doesn't matter if it has been interrupted), you can retire and receive a pension when you reach retirement age.

2. Medical insurance, that is, medical expenses can be reimbursed if you are sick. The employer and the employee jointly pay the fee. If you have paid medical insurance for a certain number of years (25 years for men and 20 years for women in most cities), you can enjoy lifelong medical insurance without continuing to pay after retirement.

3. Maternity insurance, that is, women can reimburse the medical expenses incurred due to childbirth when they give birth, and they can also receive maternity allowance during maternity leave. The payment shall be made by the unit, and the individual employee shall not pay.

4. Hold the unemployment insurance, that is, you can get compensation after you are forced to lose your job. The employer and the employee shall jointly pay the premiums (the unit recruits farmers and herdsmen contract workers, and the employer does not pay unemployment insurance premiums).

5. Work-related injury insurance means that you can get compensation after a work-related injury. The payment shall be made by the unit, and the individual employee shall not pay.

The longer the contribution period, the more pension you receive.

China's employee pension insurance is a kind of social co-ordination and the combination of the accounts of more than one person in the system, not only emphasizing the function of social mutual assistance and relief, but also emphasizing the incentive factors of personal accounts. All things being equal, the longer the contribution period, the more pension you will receive at retirement. The working hours of ordinary people are 25 to 35 years, according to the current social security payment policy, to reach the retirement age, the payment period of 15 years can be retired, the earlier to participate in the employee pension insurance, the longer the payment period, the higher the pension level.

If you don't participate in insurance when you are young, and you don't participate in insurance until middle age, the room for increasing the number of years of payment is significantly reduced.

Some workers feel that they are now "old and young" and have great economic pressure, and they want to wait until they are middle-aged to make up the pension insurance, and they can also receive the pension when they retire. But in fact, it is you who suffers from the post-payment payment. First of all, there are more pension insurance premiums to be paid.

Under the current policy, the standard of retroactive fees may become higher, and interest will also need to be calculated. Secondly, the contribution index for calculating the pension after the supplementary payment will be lower. According to the current pension calculation and payment method, the comparison between the individual contribution salary and the average social wage level of the province in the current year is an important influencing factor (i.e., the contribution index).

Under the same conditions, the higher the contribution salary and the higher the contribution index, the higher the pension level. For example, paying 1,000 yuan in 2000 and paying 1,000 yuan in 2010 are two different concepts in the pension family's Wang plan and payment standard. In 2000, the level of 1,000 yuan paid was higher than the provincial average wage, so the index was high; By 2010, the level of 1,000 yuan in contribution wages was lower than the provincial average wage, so the index was low.

At the same time, if you do not participate in the insurance when you are on the job, and make up the payment after the fact, the original employer may have changed by then, or even the prosecution period has passed, and the expenses that you originally had to bear by the unit can only be borne by yourself, and you have to provide the original file materials, etc., which is time-consuming, laborious and costly.

Social endowment insurance can be bought together with the unit, or you can go to the social security bureau or community center to buy it. The unit is one of the five insurances. But the social pension insurance is just a very basic pension insurance, if you want more comprehensive protection can buy commercial pension insurance, I am 36 years old this year, just bought myself a Zhonghong exclusive life, this insurance is a dividend, that is, I can not only receive pension, but also participate in the company's dividend distribution, I personally feel that it is very cost-effective.

If you want to buy social pension, you can pay for this directly, and you will spend it after 15 years, and you can spend it when you reach 60.

How to buy social hail pension insurance? How to buy social endowment insurance, the social pension insurance will be absent and include sail endowment insurance, if you want to pay, you can handle it at your local social security bureau with your ID card, household registration book, and three two-inch **.

How to buy social endowment insurance? There are several ways to buy social endowment insurance, if you are a large draft and have a unit to work, then your social endowment insurance has a unit for you to buy, if you are self-employed, then you can buy flexible employment insurance. You can buy it directly from the local social security bureau where you live.

You can go to the social security bureau or the community center and ask. I bought it in the unit, and then I also bought Zhonghong's commercial endowment insurance to enjoy life, and now I am still young, and I want to plan for the future as soon as possible, and I don't want to rely on anyone after I get old. And now buying insurance is also a kind of financial management, like Zhonghong's insurance is a Lingyun that can pay dividends, and from the beginning of paying the premium, you can also get three times the basic sum insured in the fifth and sixth years, I think it's still very good.

Endowment insurance can be purchased by oneself or by the unit, and the purchase of oneself to urban and rural residents and flexible employment needs to go to the local social security bureau or community center to handle, and the in-service employees pay in the form of five insurances, and the unit deducts from the salary every month. After 15 years of cumulative contributions, you can enjoy a pension when you reach retirement age, and social insurance is only a basic guarantee.

Pension insurance should be planned as soon as possible, not only social pension insurance, but also commercial pension insurance needs to be appropriately allocated. Among them, social endowment insurance is a basic guarantee, in-service workers can choose to pay five insurances to buy social endowment insurance, urban and rural residents and flexible employment groups can apply for urban and rural residents' endowment insurance. After a total of 15 years, you can receive it when you reach retirement age.

Zhonghong's exclusive life is still good, the first twelve months of the pension stage, the monthly pension is equal to the basic insurance amount of the contract. Thereafter, every 12 months, the monthly pension according to the basic insurance amount of the contract 5% simple interest increase, if the basic insurance amount is 20,000, after each month is still a lot, their future old age life does not rely on children can also be happy.

1. If you purchase urban and rural residents' pension insurance or flexible employment pension insurance, you can purchase it in the following ways:

2.Buy it in the local social security official mini program;

3.Buy on Alipay;

6.Bring your ID card to the local social security service center to buy it.

1.Enter "I";

2.Click on "Services";

Click "Services" on the "Me" page.

3.Click on "City Services";

Click on "City Services" in the "Life Services" section to enter.

4.Click on "Social Security Comprehensive";

Click on "Social Security Comprehensive" in the "Popular Services" section to enter.

5.Click on "Social Security Contributions";

People in different regions see different pages, for example, the insured in Hunan can click to enter the "Hunan Social Security Payment".

6.Choosing endowment insurance;

In the "Service" section, select the pension insurance you want to pay, and you can choose the pension payment for urban and rural residents and the flexible employment pension payment.

7.Confirm payment information;

Fill in and confirm the pension insurance payment information, and select the payment year. Tell the mill tung.

8.Click "Next".

Confirm that the information is correct, and click "Next" to pay the premium.

Second, if you buy urban employee pension insuranceThe employer usually handles the application for the employee, and the employee only needs to submit a photo, identity information and other required materials according to the employer's requirements.

Third, if you buy commercial endowment insuranceIt can generally be purchased in the following ways:

1.Bring your valid ID card to the offline service outlets of the insurance company to purchase;

2.Log on to the official website of the insurance company to purchase;

3.Find an insurance broker or insurance person to buy.

Take finding an insurance broker to buy commercial endowment insurance as an example:

1.Contact the insurance broker Hengtan person, for example, you can contact the insurance broker platform, you can generally see the entrance of "** consultation" and "insurance consultation", click to enter the contact insurance broker;

2.Explain your coverage needs and premium budget to your insurance broker;

3.The insurance broker will give the insurance plan and send the consumer the selected commercial pension insurance product insurance link;

4.Click to enter the application.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI 13