There are two major categories of pension and medical insurance in the mainland. Employee pension and medical insurance, resident pension and medical insurance. Flexible employment social security generally refers to employee pension and medical insurance.
Social security for flexibly employed persons is linked to the average social wage. As the average salary becomes higher and higher, the amount of contribution money is also increasing. For example, the minimum payment base in Shandong Province this year is 4,416 yuan, and the proportion of flexible employment to participate in pension insurance is 20%, and the monthly payment is 883.2 yuan. The contribution rate of medical insurance for flexible employees in Qingdao is 8.5%, and they need to pay 375.36 yuan per month. A total of more than 15,000 yuan is paid in a year.
In this case, many people are thinking, is it not possible to participate in the pension and medical insurance for urban and rural residents? Want to save a lot of money?
To be honest, from the perspective of cost performance, it must be more cost-effective for residents' social security, because the investment is low and the return rate is high. But what? The level of social security treatment for urban and rural residents is low.
Comparison of pension insurance for urban and rural residents and pension insurance for employees.
The minimum payment grade of urban and rural residents' pension insurance is 100 yuan or a few hundred yuan, which is a year's payment. The basic pension insurance for employees costs tens of thousands of yuan a year.
For example, in recent years, the minimum payment level of urban and rural residents' pension insurance in Shandong Province has been 350 yuan, so that the payment of employee pension insurance is equivalent to about 30 times that of residents.
(1) The pension of urban and rural residents' endowment insurance is mainly composed of the basic pension subsidized by the state and the personal account pension formed by individual contributions. Like 350 yuan payment, the government subsidy is about 50 yuan, and the payment is 15 years, and the personal account pension is forty or fifty yuan. Coupled with the current basic pension of 168 yuan in Shandong Province (218 yuan in Qingdao City, it is expected to increase by 20 yuan this year), and the monthly pension is expected to reach 223 yuan.
However, if we look at the rate of return, the annual income is 27,800 yuan, which is about 8 times that of our personal contributions in the past. If you count 15 years of treatment, this is 123 times the income.
(2) Employee pension insurance, pension is also composed of two parts: basic pension and personal account pension.
The basic pension part is linked to the average salary (currently the pension calculation base), and 60% of the grade has been paid for 15 years, and you can receive 12% of the average salary.
The pension part of the personal account is equal to the balance of the personal account of the pension insurance ÷ the number of months determined by the retirement age.
According to the current pension base level, after paying for 15 years, the pension after retirement is about 1100~1300 yuan. That is, the difference in contributions is more than 30 times, while the difference in pension benefits is only 5 times.
But let's think about it, is a pension of more than 200 yuan per month enough for the elderly? If you pay for flexible employment pension insurance for 40 years, you can almost receive more than 3,000 yuan for pension. If we have a pension of 3,000 yuan per month after retirement, are we still worried about life insecurity? A pension of at least 3,000 yuan is about the same as the salary of some young people.
Comparison of medical insurance for urban and rural residents and medical insurance for employees.
At present, the lowest level of medical insurance for urban and rural residents in Qingdao is 405 yuan for individuals, and the difference between annual payment is more than ten times.
It seems that the reimbursement ratio of resident medical insurance is not too low, the reimbursement ratio of the three levels of hospitals is generally between 55% ~ 85%, while the employee medical insurance is generally more than 85%, and the reimbursement ratio of retired employees is 93% ~ 97%. But when it's really time to use it, you can see it. Within the scope of reimbursement, one needs to be borne by the individual 15%~45%, while the other only needs to be borne by the individual 3%~7%.
Based on these circumstances, in order to have a more comfortable pension life, it is definitely better to participate in flexible employment pension and medical insurance. #灵活就业人员社保#