Know the popular question: how much does an individual pay into Social Security each month? Don't think this has nothing to do with you under the epidemic!

Recently, a blogger in Zhihu said that he was sick and could not get treatment in the hospital where he worked, and he went through a lot of difficulties and dangers under the epidemic before returning to his hometown for treatment. The reason is, as a freelancer, he did not pay social security at his place of work, and could not enjoy the local public **** medical resources, while the local private hospitals could not treat his illness. We usually do not pay attention to the social security, but it will affect our health and even our life at the critical moment! There is no shortage of rich kids around us who "come to work in order to pay social security", which shows the importance of social security. Nowadays, with the increasing improvement of labor laws and social security, urban workers can generally obtain social security through a regular job. However, with the rise of "netizens" and other professions, "flexible workers" also occupy a significant proportion in today's society. This group of people will need to buy social security on their own. So the question is, how much does a person pay for social security each month? How much does it cost and what are the components? What is the difference between buying your own social security and having a company pay for it? This article will give you the most complete answer about social security!

How do I pay for social security?

The types of social security you can pay for are employee social security and resident social security. Resident social security is only available to those who have a household registration in their location. It is characterized by low contributions and relatively basic and incomplete coverage, and it is not the focus of this article. The social security we usually refer to is the employee's social security, which is characterized by higher contributions, but also relatively complete protection.

Flexible workers or freelancers who want to pay for social security usually do so through a social security agency, or by asking a company they know to help them pay.

Generally speaking, choosing to pay through a social security contribution agency is the more common way. Because this is a formal channel, you only need to pay a small monthly fee, there is a professional organization to complete the social security payment for you, which is very convenient. On the contrary, the only advantage of paying through the help of familiar companies is to save a few dozen dollars of handling fees every month. But there are many more pitfalls:

First, since you have not signed any labor contract with the company, once the company backtracks and doesn't help you pay or "embezzles" your premiums, then you will have no channel to file a complaint at all.

Secondly, the company itself is at risk, and once this behavior is detected by the Social Security Administration, the company will be penalized, and many companies are unwilling to take this risk.

In summary, finding a reliable social security agency to handle the payment procedures is the safest way for freelancers.

Freelancers, how much does an individual pay for social security each month?

After understanding how to pay, let's take a look at how much social security actually costs per month for an individual.

On this issue, due to the different social security policies around the world, it is difficult to get a clear figure, let's take Shanghai as an example to understand the algorithm.

In a nutshell, the amount of social security contribution = contribution ratio * contribution base.

The upper limit of the base for social security contributions is three times the average monthly salary of on-the-job workers in the previous year, and the lower limit is 60 percent of the average monthly salary of on-the-job workers in the previous year.

Shanghai's social security contribution base for July 1, 2021-June 30, 2022 will be 31,014 yuan per month and 5,975 yuan per month, respectively.

Shanghai workers' social security contributions in 2021 will be as follows:

And freelancers or flexi-employed people must bear the part of the unit's contribution by themselves.

Because flexible workers in Shanghai can't enjoy the five insurance policies if they pay social security by themselves, the total amount of social security individual contribution per month = Medical + Pension.

Assuming that the lower limit of the base figure is 5,975 yuan, pension insurance should be paid 5,975*0.24=1,434 yuan, and medical insurance should be paid 5,975*0.125=746.88 yuan, and the total amount of the two, the monthly social security costs are 2,180.88 yuan.

Assuming that the base ceiling of 31014 yuan as the basis for contributions, pension insurance should pay 31014 * 0.24 = 7443.36 yuan, medical insurance should pay 31014 * 0.125 = 3876.75 yuan, the two together, the monthly social security costs required for 11320.11 yuan.

So we can know, in Shanghai, if you choose to pay their own social security, the monthly personal payment of money ranging from 2180.88 ~ 11320.11 yuan. The amount of contribution in other areas can also be measured as above according to the local social security regulations.

Social security is naturally indispensable, but its protection has certain limitations, and if you want to leave a city, the transfer of social security procedures are very troublesome, and may even cause losses. So you can choose the right contribution base according to your personal situation and rational allocation of your property. In addition to purchasing social security, don't forget to supplement some products with higher value-added products to ensure that your life is worry-free.

The above is a detailed analysis of the monthly personal contribution to social security for flexibly employed people. If you are still confused and don't know how to pay social security, you can go to a good, professional insurance broker for advice. Because professional insurance brokers will be a full range of assessment, according to your questions and needs, customized programs, Baojun - has a professional and strong team of advisers, to match you with the most suitable for your professional advisers, on Baidu search "Baojun" to provide you with more professional advisers!