The way to make money

\”how to pay social security personal best deal? Affiliated institutions fly it?\”

\”Parents already almost 50 years old and still pay social security it?\”

\”no income, in addition to residents of social security there any way to protect life? \”

If you or someone close to you have this confusion, I believe, at this time is to see in this article is the best time!

Social Security can pay themselves what kind of pay? How to pay? Freelance how the subsidies? How the use of commercial insurance Supplemental Security?

An article help you solve all the problems!

Even if you are white mathematics, also Nengkanmingbai all calculations; social security and commercial insurance even if your knowledge is blind, you can easily get to know all difficult.

In order to ensure the accuracy of the information, I am the hot topic of the country’s 31 provinces IESS phone, just to give you sort out the most comprehensive Raiders!

man of few words said, and then directly offer the most detailed \”a pay social security group Survival Guide\”, covers the nanny-level social security contributions \u0026 amp; receive welfare \u0026 amp; commercial insurance configuration tutorial.

lengthy article, but full of dry goods, to ensure that you spend every minute of this article has value!

The first part: no work unit, how Social Security can pay? First, what Social Security that? What status can participate in social security?

Although the term social security we often talked about, but the specific contents of social security is perhaps what many of my friends do not know.

here briefly to you about science:

Social Security is actually the government as a solid backing to help us shift work and life in all kinds of risks you may encounter.

Its main projects include: pension insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance.

difficult to find, in fact, the country has given us the guarantee covers every important life stage, inextricably linked with our lives from birth, work to pension, social security.

In our country, everyone has the right to participate in Social Security.

all the legitimate national social security insured person are divided into three categories, namely: job workers, flexible employment in urban and rural residents.

can see that if we go to a formal unit to work, social security is no need to worry, the unit must pay social security for our employees, including employee pension insurance, medical insurance, maternity insurance , unemployment insurance and industrial injury insurance.

but if we do not work, they want to protect Social Security, may have the following two options:

1, the identity of urban and rural residents to pay social security

residents of social security in the face of children, the elderly, full-time mother and other units did not work the crowd, only two risks:

residents of Medicare: medical care costs can be reimbursed, including medical insurance for urban residents, the new rural cooperative, butMany areas have unified these two into \”urban and rural residents’ medical insurance\”. Residents’ old-age insurance: at least 15 years have been paid for 15 years, after the designated age (general 60 years old), you can receive pensions on a month.

Compared to employee social security, the welfare of residents ‘social security will be relatively poor;

But it is not eccentric, and the staff social security is a month to pay, and the residents’ social security is a year to pay once, cost More than one.

However, if you want to pay residents’ social security, you will basically ask the insured to be a local account.

Friends in the field, you can pay medical insurance in the old home, and then apply for a medical record in different places.

In this way, we live in the field, and we can enjoy the Deli of the medical insurance.

2, with the flexible employment identity, the social security

If you want to be better than the residents’ social security, we have a better choice: participate in social security as \”flexible employees\”, including employee medical insurance, employees Pension.

In terms of treatment, we will consistent with the staff of the office workers.

How much is someone else to reimburse? How much pension can be received during retirement, we can also.

However, due to no working units, all social security fees need themselves.

But this road is not everyone’s fit.

First, or household registration restrictions,

Some cities still do not support foreign accounts to participate in social security as \”flexible employees\”.

In order to facilitate everyone, I have already organized 31 provinces and cities (except Hong Kong, Macao and Taiwan) to restrictions on flexible employment social security.

If the picture below does not have your city, you can log in to the local Social Security Bureau official website or call the social security hotline (area No. + 12333).

In addition to household registration, local governments have different audit criteria for flexible employees,

such as Xiamen, we need to provide very detailed free professional income prove and related document.

Although some cities do not need additional information, we will ask us to fill in the application form and sign the commitment.

So if we do not meet the above requirements, it is also a good guarantee if it does not meet the above requirements.

For friends who have a local account, but also meet the flexible employee requirements,

can choose to participate in resident medical insurance, resident pension insurance, can also choose to participate in the medical insurance, employee pension insurance.

Which one is, more cost-effective?

Next, I would help you in the third chapter of the social security part of this article!

3, hanging by the companyBao, it is the lower policy!

There are friends around you, whether in participating in residents’ social security, or with flexible employment, they have only medical insurance and pension insurance; and friends who have a formal unit work, they can also pay unemployment insurance, work injury insurance and maternity insurance .

Therefore, some people choose to find the company / social security payment agency to hang five insurance for the convenience of the graph, or hope to enjoy the benefits of fertility insurance.

But actually hanging on social security is really unreliable! There are three reasons for the following:

Cause 1: Need to pay a summit fee

In addition to the part of the company, the part of the unit needs yourself, An additional service fee is added every month.

Taking a friend of Shenzhen as an example, because he didn’t want to break social security after he resigned, he found a company, paying five insurances according to the minimum standard, his paid screenshot is as follows:

[123

It can be seen that except for social security costs, there will be an additional 99 yuan service fee every month, and there are more than 1,000 pieces of extra expenses one year.

Cause 2: Social security, may not be able to use

Many friends are looking for the company to train social security, I want to buy a house to buy a car or a child. But this is risky, and it is very likely that the social security can be used.

For example, Hengyang Little Li, he is working in Shenzhen, plans to buy a house in Changsha, and the foreign household account Changsha needs at least two years of local social security, so he finds the company to pay for Changsha social security.

In case, it is hidden by the company’s running road or is investigated by the social security audit department. Xiao Li will face the money, and the room can’t be bought.

In addition to the above risk, there will be such an exemption statement: \”Our company does not provide any cover or information reimbursement assistance\”, that is, it is necessary to have a fertility allowance, work injury fee of the company’s stamp, Can not be reimbursed.

Reasons 3: illegal, up to 5 times fines

If you really use social security treatments such as fertility, work injury, once you are investigated by the social security, will be 2-5 times Fine.

In addition, the amount is huge and may be suspected of crime. In April this year, Song was a 36th maternity to participate in the insurance, and scamped more than 980,000 yuan, and was prosecuted by the Beijing Chaoyang Court.

In summary, in any case, I don’t recommend everyone to pay associated with the company.

How do you pay social security? (Implementation)

At present, the steps of personal payment of social security are very convenient. First, you need to apply for personal insights in the official website of the local government; after the approved pass, you can pay directly through the official website or mobile phone. The specific process is as follows:

1For the first time, I applied for social security process (Shenzhen as an example, including employee social security and resident social security)

Step 1: Log in to the Guangdong Provincial People’s Government Network, choose \”Personal Enterprise Management\” \”Personal Payment Personal Report\” – \”Flexible employment personnel registration\” or \”urban and rural residents’ pension insurance insured registration\”, enrolled registration information;

Guangdong Provincial People’s Government Network www.gd.gov.cn

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Guangdong Provincial Government Service Page

Step 2: Compliance with the online settlement conditions, the system is automatically accepted (instant); if you do not meet the conditions for online, the applicant is prepared, download and print the application. Table, and prepare business materials in accordance with the business of the business, go to the Shenzhen City Administrative Service Hall Social Security Service Hall Integrated Window On-site number. 2, using mobile phone convenient payment social security process (including employee social security and resident social security)

Step 1: Enter \”social security payment\” in Alipay search bar, select \”Citizen Center · Social Security\”. After selecting the urban and social security type, click \”Personal Social Security Payment Business\”.

Step 2: At this time, the background will automatically pop up authentication. After the identity authentication of the point or other way, select \”Payment Society Premium\”.

Third, freelancer, how to pay social security is the most cost-effective?

Since there are two options, then the problem is coming,

Residents’ social security, with employee social security, which is more cost-effective? How much is the cost of these two ways? What is the difference between treatment? I have helped you one by one!

Due to the difference in policies, in order to more reference, I will unify the calculations and introductions with Guangzhou household registration as an example. 1, how does social security choose?

Overall, national social security can be said to be \”one penny and one stock\”, the better the cost, the better the guarantee. For the flexible employment personnel of the local account, there are four methods:

(1) The cheapest method: paying the resident pension + resident medical insurance combination

Paying the social security of urban and rural residents according to conventional methods, The overall price is very low, but the corresponding guarantee is not comprehensive.

(2) The best way to ensure the employee pension + staff medical insurance combination

The last method is actually the same treatment with the pension insurance and doctor of the employee, the difference is in the post Social security of employees is borne by the company, the company is big (enter the co-ordination account), personal part (enter the personal account);

and as a flexible, paying employee social security, you need to bear all the cost, Compared with resident social security;

(3) Flexible with personal special appeal (pay attention to local policies)

If there is already other old-age planning, and local policy supports the residents’ old-age and employee medical insurance, then such choices can be considered. In this way, not only better medical care, enjoy life medical insurance, you can also receive basic pensions after retirement;

If you are worried, there is no other stable income after retirement, individuals are not good at wealth management, hope Pension can help force the next money in the future, and local policy support this payment method, then consider paying the employee’s pension + resident medical insurance combination, but the medical security of this program is obviously weak;

[ 123] I have finished all payment methods and advantages and disadvantages in the picture below, you can collect articles or download pictures for future needs.

For better horizontal contrast, all forms are calculated in accordance with the minimum payment base and minimum files of Guangzhou Social Security.

At the same time, it is also very special to emphasize a little: the part of the general in the post will enter the personal account, and the part of the company will enter the national co-ordination account; for flexible, you need yourself All fees.

Once the cause of death, only the money of the personal account can only be returned, and the co-ordination account belongs to the country, so it will not be refunded. In this case, it may cause great losses,

[123 For example, Guangzhou Municipal Workers Medical Insurance needs to pay according to the proportion of 7.5%, but only 2% of the proportion of relatives will be refunded after death, and 5.5% of the co-ordination account cannot be refundable. The specific amount ratio I will also explain in the following calculation process;

In addition, considering that many friends also want to know if their cities can pay their employees to make employees and residents, I also hit it. All provinces and cities confirmed one by one, summarizing the latest \”31 provinces and cities nationwide (except Hong Kong, Macao and Taiwan), can you pay a separate employee pension and resident medical insurance?\”, You can view your own city in the figure below:

[ 123]

If there is no city in the above picture, please visit the official website of each province and city, the official website of the Social Security Bureau, or call the local social security hotline (area code +12333).

Next, I will use Guangzhou as an example, respectively compare two types of medical insurance and two types of old-age, all kinds of welfare policies related to everyone, calculating rules and processes are clear, no need to perform calculations, mathematics Xiaobai can also understand!

2, employee medical insurance VS resident medical insurance

(1) Fee comparison

Let’s compare the cost of both:

In 2021, Guangzhou residents’ medical insurance costs were 456 year .

If we participate in the employee medical insurance, the payment rules are as follows:

Contribution base: between 6175-30786 yuan, freely choose one amount, payment ratio: 7.5%, 2% of them enter personal accounts (can buy medicine,When you use, you can use it, you can refund it. Yuan.

Among them, 1482 yuan can enter a personal account every year, you can buy medicine, use it, you can use it, you can refund your relatives; and 4075 yuan remaining into the co-ordination account is unfortunately unable to return. . According to the medical insurance payment policy of Guangzhou this year, the payment information can be obtained as shown in the figure:

According to the minimum payment base of Guangzhou

From price, resident medical insurance It is cheaper, and the employee medical insurance pays more than 5,000 yuan in more than 1 year.

(2) Contrast

Although the price of resident medical insurance is very cheap and the reimbursement line is also very low,

But workers’ medical insurance in the reimbursement ratio and the highest payment quota, etc. Aspects are more advantageous.

In order to make everyone can have more intuitive feelings, I also compare Guangzhou employee medical insurance and resident medical insurance reimbursement rules:

Better treatment As long as the medical insurance of employees can enjoy free of charge for a certain period of time, they can enjoy free of charge, and the resident medical insurance is paying for a year, and it is one year.

Take Guangzhou Policy: Participate in the municipal staff medical insurance before January 1, 2014, as long as \”the age of accumulating the social security of the staff\” and \”the annual payment of the city\” is 10 In the year, you can enjoy lifelong medical treatment;

, after January 1, 2014, it is necessary to participate in the city’s workers ‘medical insurance, and it is necessary to meet \”accumulated payment workers’ medical insurance for 15 years\” and \”accumulated in the city. After 10 years, \”can also enjoy lifelong medical treatment.

In addition, I also organized the annual requirements for workers’ insurance payment fees in 31 provinces and cities in the country (except Hong Kong, Macao and Taiwan). You can compute the table reference.

The conclusions can be concluded:

Workers’ medical insurance: the price is high, only the money can only be returned to personal accounts after death; Medical insurance treatment; payment quota, reimbursement ratio has obvious advantages for disease hospitalization; resident medical insurance: low price and no personal account after death (resident medical insurance has no personal account); no life medical treatment; the threshold of claims is lower, but The amount of payment and reimbursement is also low. 3, employee pension insurance VS resident pension insurance Speaking of the old-age, first there is necessary to emphasize a little one:

No matter if you choose to pay the residents, or choose the employee to pension, you want to retire to receive the old Gold, pension insurance is at least 15 years.

(1) Cost comparison

First we have to knowHow much is the employee, how much can be selected as needed, but the more time, the longer the time, the more pension will also receive, the basic rules of Guangzhou employee pension are as follows:

Payment Base: at 3803 – 20268 Between the yuan, freely choose one amount of payment ratio: 20%, among which 8% enters personal accounts (can be refundable after death), 12% enter the co-ordination account (can not be refundable after the death)

Assume that according to the minimum payment base 3808 yuan Paying old insurance, then you need to pay 760 yuan each month, you will pay 9,127 yuan a year.

This, 3,651 yuan each year enters the personal account, hooks with the pension received in the future; and the remaining 5473 yuan of the overall account is unfortunately unfortunate.

Guangzhou’s residents’ old-age payment is relatively simple, only need to optionally be selected from the seven files below.

(2) Comparison

Pension insurance receives the rules relatively complex, if you don’t have interest in the calculation process, you can choose direct move \”Guangzhou Comparison of the Pension Treatment of Pension VS Residents \”Graph View the calculation results and conclusions.

Supplementation of the 65-year-old retirement pays 40 years of social security, and salary, payment according to 5% per year, then you can calculate the retirement, you can receive 12,000, 1,500,000 in the first year.

The calculation formula of resident pensions is as follows:

thus available, if selected The highest-end 300 yuan / month confession, and salary, payment is rising 5% per year, then you can calculate the retirement, you can receive 2,690 yuan per month.

We can derive the following form:

According to the existing policy of Guangzhou, I choose the minimum payment base and residents of employees. The maximum measurement of the maximum number.

It is not difficult to find that Guangzhou employees will pay more than 5,000, but in the retirement amount, it is more than 4 times higher than the residents ….

Therefore, through the above Analysis, our conclusion is that if the economic conditions allow, pay the employee to support the residents to pension.

Although there are differences in policies, usually, employee social security treatments will be better.

However, from another perspective, if the insured is unfortunate, there is a small loss of the employee pension, and the residents can refund all the amount (such as flexible employees in Guangzhou 3808 in Guangzhou. The base pays the staff social security. There will be 5,473 yuan a year to enter the co-ordination account. They cannot be refunded after the death.)

Flexible employment subsidy, who can lead? How to get?

In addition to the above mentioned medicalIn addition to insurance and pension insurance,

The multi-city government also provides a welfare for flexible employment: flexible employment subsidies, less than a year, more than 10,000 more than one year.

Take the four cities in north as an example, you can check the corresponding subsidy objects, subsidizes standards, and subsidies.

Currently, most of the region has flexible employment subsidies, just a different amount.

If you meet the standard, you can apply for a subsidy!

The collection method is very simple and convenient, and it can be directly collected under the general line. The specific procedures for the application subsidies are as follows:

Part 2: How to use the business insurance to supplement insurance? One mentioned commercial insurance, many people’s first reaction is: \”I already have a social security. Why do I have to buy a business insurance?\”

I also have a friend asking questions: \”I can use the business insurance Is it in replacing social security? \”

Although social security is good, it is not universal.

Take the medical insurance, it is a kind of universal guarantee, based on its \”wide coverage, low-protection\” characteristics, can only achieve the lowest security level, while commercial insurance can be us Bring more comprehensive security, both are not able to plan.

Next, we will talk about it.

1. Is there a medical insurance still needed?

First, share a total of 1681 yuan he just happened around me, winning 1.55 million real claims:

L in December last year, I have already spent 1681 yuan to buy a baby. Heavy illness, medical care, and accident insurance.

The result is very unfortunately that the baby is diagnosed with acute myeloid leukemia this August this year.

In October this year, with the help of colleagues, Ms. L has obtained 1.5 million yuan of indemnity for the retrieval insurance last year;

L baby medical electronic receipt

At the same time, after the medical insurance reimbursed 60452 yuan, medical insurance has also played a great role, reimbursing 49,469 yuan for their own expense;

and I also clearly remember, before this Because the baby accidentally broke, Ms. L has reimbursed an unexpected medical expenditure of 3,975 yuan after using the medical insurance reimbursement of 2563 yuan.

In fact, as a housewife, Ms. L, who was originally giving a social security and purchasing commercial insurance, but did not think of these things, just hope to give the baby the best protection, buy a peace of mind .

However, when the disease is really coming, it is very limited that the security of the social security can be affected. If there is a comprehensive commercial insuranceSupplement, in addition to worrying your baby’s health, you must also bear huge economic pressure.

After this thing happened, Ms. L once again took the initiative to find my colleague, hoping to give a comprehensive personal risk to the whole family as soon as possible.

Whether it is a flexible employment person or urban and rural residents, no matter which social security payment, it is necessary to objectively, clearly understand the limitations of current guarantees.

In the case of the visual sales, the doctor has a lot of restrictions in the actual medical expenses. Specific as follows:

Through this picture, we I can intuitively see some of the medical insurance:

Do not report to the medical insurance catalog: only if the treatment fee is in accordance with the directory can be reimbursed. Some effects of good health and expensive self-cost drugs, cancer special medicine, etc. More than the top lines are not reported: the medical insurance in each region will have a top line. Even in the first-line big city such as Beijing, the hospitalization of the hospital’s medical insurance is only 500,000. Can not be reimbursed in 100%: In addition, if it is self-sufficient freelance, it is impossible to solve the problem of economic sickness during the medical treatment period.

So, the welfare of social security is very good, but we still need a business insurance to make additional protection.

2, Maintenance Configuration Ideas

Buying insurance is to solve the difficulties that you are in powerless when risk is coming.

So before buying insurance, be sure to figure out the most important question: I hope that insurance can be resistant to me?

Due to the different types of departure points for each person to buy insurance:

For most people, mainly considering serious illness Insurance, medical insurance, accident insurance, and regular life insurance.

And each type of effect will be different:

Medical insurance: suffering from some major illness, such as cancer, can help us solve high medical expenses. In China, there are too many families who are not sick.

Remaining illness insurance: medical insurance can solve medical expenses, but a major illness may make a family to lose economic income for a long time. The critical illness insurance can pay a one-time payment, solve the problem of living expenses, child tuition, and other support.

Accident insurance: If the injury, death or disability is caused by accident, it can be compensated. Accident insurance is inexpensive, safeguard, suitable for people in every age.

Regular life insurance: For those who carry household responsibility, in case of unfortunate, life insurance is allowed to let their families will continue to live well.

All in all, oneAfter a clear concept of family responsibility yourself, it is based on your own needs to supplement the configuity. The above four major insurances are the most practical insurance insurance, and everyone can consider it carefully.

3, how to choose the right product When you have already gorgeous ideas for the insurance you want to buy, the next thing is needed to choose a specific product according to your own physical condition and demand. I will evaluate the latest, cost-effective types of danger lists in real time every month. Here is the latest assessment list and links to everyone:

Go out! These super high-cost insurance is not there … (with the recommended list of products in December)

If you have any questions about the product or list, please feel free to communicate with me!

[Write in the final]

Over time, unconsciously found that there is more and more young people who choose \”freedom\”,

work does not necessarily want to nine Late five, self-discipline and self-sufficient life can also be a good choice;

, even if you don’t make money, you should have a good choice for more families and child education.

But whether you are an ordinary company employee, or \”not ordinary\” non-company employee,

Comprehensive personal health protection is the necessary prerequisite for our advancement and effort.

I hope that you can let the choice to go to work through this science article:

1, social security is not only the guarantee that can be obtained in the company, our country is working hard Guarantee all legal citizens;

2, commercial insurance is not equal to commercial routing, we can make rational based on its own needs, suitable for you.

If you have any questions about social security or business insurance, welcome private messages and comment messages!