Flexible employees, because their income is unstable, in most cases their income is not high. Therefore, the state will take care of some existing policies. For example, the contribution ratio of social endowment insurance, the company's total contribution ratio is generally 2 1~28%. However, the contribution rate of social endowment insurance for flexible employees is 20%, and it is 18% in Hangzhou and other places.
In addition, the current national policy of paying social security for people with employment difficulties will be reflected in the flexible employment population. Employees who participate in commercial insurance for flexible employees can generally enjoy social security subsidies for flexible employees for about three years, and the subsidies can reach 50~66% of their contributions at most. Shanghai will be subsidized by half of the payment amount of 60% of the payment base; Hainan Province pays 66% for itself, but it does not exceed the social flat payment base 100%.
In terms of pension benefits, according to the payment base of 60%, the input-output ratio is very high. Why do you say that? The basic pension is paid at 60% of the payment base 15 years. According to the calculation method, the salary of the basic pension is equivalent to 12% of the average social salary of the previous year. If the payment is made according to the payment base of 120% for 15 years, the payment amount is twice that of 60%, but the calculated basic pension retirement policy is equivalent to 16.5% of the average social wage of last year.
In comparison, it is obviously impossible to reach twice the ratio. But the personal account pension is also completely proportional. According to 60% payment, only 1.20% of personal account pays half of personal account. As a result, the amount of funds now entering personal accounts is 8% of the payment base in all parts of the country.
Everyone's annual pension will be adjusted according to the pension adjustment notice issued by the state. The adjustment scheme of pension generally includes three parts: budget quota adjustment, linked adjustment and moderate inclination. The adjustment of the budget quota means that everyone will raise the same amount of money. That is to say, no matter how much the pension is or how long the payment period is, everyone will raise the same amount of money, usually 30 to 30 60 yuan.
This is the case when the pension is raised according to the payment period in the hook adjustment. The payment period is the payment period and has nothing to do with the payment base. Relatively speaking, it is more advantageous to have a low payment base. In fact, the skew adjustment will not increase the pension according to the payment base, and it is mainly used for the elderly and the elderly in hard and remote areas.
Therefore, flexible employees pay relatively low fees, and it is most appropriate to pay only 15 years. Although it is more suitable, the retirement policy is the lowest. If our pension is relatively high, the amount of pension money added each year is also relatively high. In fact, the gap between us and those with low pensions will become wider and wider. In fact, the state does not expect flexible employees to pay a very high amount. The purpose of implementing the current flexible employment policy is to let a group of flexible employees with income enjoy the pension insurance benefits for employees. It is our national goal to ensure that both parents have pensions and salaries.
How do flexible employees generally handle social security? Mainly used for men under 60 years of age and women under 55 years of age, who have registered flexible employment according to the regulations and paid the initial fee according to the flexible employment method.
Application materials: 1, the original ID card and its front and back copies;
2, "employment unemployment registration certificate" or "labor manual" copy of the information page;
3. A copy of my real-name registration and clearing account (discount) established within the scope of a specific financial enterprise (generally the four major local and state-owned banks), and at the same time sign a power of attorney (withholding personal social insurance premiums through bank transfer);
4. According to different personal circumstances, you need to bring the following materials:
(1) Household registration personnel in this city are required to bring a copy of the first page of the household registration book and a copy of the personal information content page;
(2) The other half of the city's household registration personnel must carry a copy of the marriage certificate (or the marriage certificate issued by the civil affairs department), a copy of the first page of the household registration book of the city's household registration personnel and a copy of my information content page;
(3) The external nursing staff in the outpatient department of the hospital should hold their own application form.