What endowment insurance should I pay?

The most cost-effective scheme for freelancers to pay endowment insurance is as follows:

1, select the appropriate payment base. Freelancers can choose any optional payment base as their own payment base. The higher the payment base, the higher the pension received after retirement. In order to get a higher pension, you can choose a high contribution base when your income is high and a low contribution base when your income is low.

2. Extend the payment term. Pension insurance needs to be paid at least 15 years, and you can receive pension after retirement. Accordingly, the longer the payment period, the more insurance premiums paid and the higher the future pension. Therefore, freelancers can extend the payment period of pension insurance as much as possible within the economic scope, and the amount of pension will be more considerable;

3. Apply for social security subsidies. The state will give certain insurance subsidies to freelancers with employment difficulties, which are generally determined according to 50% to 66% of the minimum payment grade of individuals, and the time to enjoy insurance subsidies is generally 3 to 5 years. Freelancers should buy old-age insurance as flexible employees. The insured individual carries his ID card, one-inch bareheaded photo and social insurance application form to the local social insurance agency for social insurance registration. Individuals can only participate in endowment insurance and medical insurance.

legal ground

Article 58 of the Social Insurance Law of People's Republic of China (PRC) * * * The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.