Go to the social security center to add money by yourself

1.

You can go to the social security bureau to pay the social security

if local people need to buy social security, they can buy it directly from the local social security bureau. If they are affiliated units, they can buy it in the name of human resources company. Indivials sign agency contracts with HR agencies, submit relevant information, and pay social security and service fees

it should be noted that those who purchase social security in the name of human resources companies can mainly enjoy endowment insurance, maternity insurance and medical insurance. Instrial injury and unemployment insurance are not available

extended data

payment amount = payment base * payment proportion

the social security payment base of each region is linked with the local average wage data. It is determined according to the monthly average amount of all wage income from January to December of the previous year. It is determined once a year, and after it is determined, it will not change within a year. The time for declaration and adjustment of social security base is usually in July

enterprises generally take the total wages of enterprise employees as the payment base, while half of indivial employees take their monthly average wages of the previous year as the wage base of indivial social insurance premiums. In China, the payment base is verified by the social insurance agency according to the declaration of the employer

2.

Insurance editor to help you answer, more questions can be answered online

according to the regulations, everyone can only participate in one social insurance, and the length of service is from the year when the social security is paid. There is no company plan to pay for it, so it will cost more to pay for it. The company will dect the social security proportion from your salary according to a certain proportion, and the company will bear the remaining part of the money
1. The proportion of social security payment in the name of company is different from that in the name of indivial:
2

3. It doesn't matter, no social security card will not affect the unit to pay four gold. Now you just need to go to the street where you are registered to apply for the social security card. The social security card is mainly for personal use. As for the payment, you can go to www.12333.gov.cn Direct inquiry on the website.

4.

1. Yes, the social security center and the housing accumulation fund center where the enterprise is located handle the social security, medical insurance and housing accumulation fund for the enterprise employees. The enterprise employees not only refer to the employees, but also refer to the enterprise legal person. They can participate in the insurance and pay the housing accumulation fund for the legal person through the enterprise

How to buy insurance, which is better, hand in hand to teach you to avoid these "pits" of insurance

5. Social security can only be paid once. But now, it seems that the social security bureau can move out. The specific proceres need to be consulted by the Social Security Bureau.

6.

Yes. You can go directly to the Social Security Bureau

There are different policies in different regions. The common situation is that you need to apply to the social security bureau where your registered permanent residence is located. The proceres include: ID card, two recent bareheaded one inch photos, insurance premium, application form, etc. Can handle endowment insurance, medical insurance two kinds, unemployment insurance, instrial injury insurance, maternity insurance is not indivial pay

if local people need to buy social security, they can directly go to the local social security bureau to buy it. The indivial affiliated unit handles social security in the name of human resources company. Indivials sign agency contracts with HR agencies, submit relevant information, and pay social security and service fees Social security fee: it is composed of enterprise payment part and indivial payment part), and the total social security fee is paid by indivial when purchased by indivial affiliated units

extended data:

collection method of social insurance premium

1, proportional insurance premium system

this method is based on the wage income of the insured, and stipulates a certain percentage, so as to calculate and collect the insurance premium. Adopting the proportional system, the original main purpose of social insurance is to compensate the insured for the loss of income ring the period of risk accidents

In order to maintain their minimum living standard, they must refer to their daily income, which is the standard of payment on the one hand and the basis of premium calculation on the other

the biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether both employers and employees bear the social insurance premium or one of them bears the social insurance premium, the burden of social insurance is manifested as the increase of labor cost, which will lead to capital crowding out labor and increase unemployment

The equal premium system means that no matter how much the insured or his employer's income is, the same amount of premium will be charged. The advantage of this system is that the calculation is simple and easy to implement; And countries that use this method to collect insurance premiums

when they pay, they generally adopt the equal system, which has the meaning of equal income and expenditure. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability

The main differences between social insurance and commercial insurance are as follows:

1. Social security is the basic guarantee for social members when necessary, not for profit; Commercial insurance is the commercial operation of insurance companies, aiming at profits

2. Social insurance is enforced according to national legislation, while commercial insurance follows the principle of "freedom of contract" and is voluntarily insured by enterprises and indivials

The main body and object of implementation are different. Social insurance funds are raised, managed and distributed by specialized institutions set up by the state, whose objects are members of the society within the legal scope; Commercial insurance is operated and managed by insurance companies, and the insured can be anyone who meets the underwriting conditions

4. The level of social insurance is higher than the social poverty line and lower than 50% of the average social wage, so the degree of social insurance is relatively low; The level of protection provided by commercial insurance completely depends on the agreement of both parties of the insurance and the amount of premium paid by the applicant. As long as it meets the insurance conditions and has a certain payment ability, the insured can obtain a high level of protection

7. Take the household register and ID card to the social security bureau to go through the proceres of social insurance< First, social insurance is a public welfare social security organized by the state
the state develops social insurance and establishes a social insurance system so that workers can get help and compensation in the case of old age, illness, work-related injury, unemployment and childbirth< Second, social insurance types:
1; 2. Unemployment insurance; 3. Medical insurance; 4. Instrial injury insurance; 5. Birth insurance< (3) payment base:
employers and workers jointly pay social insurance premiums, which are paid monthly based on 60% - 300% (or 40% - 300%) of the average monthly wages of employees in the province where the workers are located in the previous year< 4. Insurance types and payment proportion of employees in the unit:
1. Endowment insurance premium: 20% paid by the unit and 8% paid by the indivial
2. Unemployment insurance premium: 2% for unit and 1% for indivial
3. Medical insurance premium: 8% for unit and 2% for indivial
4. Work related injury insurance premium: paid by the company, not by the indivial
5. Maternity insurance premium: paid by the company, not by the indivial< 5. Insurance types and payment proportion of indivial identity insurance:
1. Endowment insurance premium: 20% paid by indivial
2. Medical insurance premium: 5% for indivials< (6) two conditions for retirement to receive social security pension:
1
2. The insured has reached the legal retirement age< 7. Three factors that affect the amount of retirement pension:
1. The average salary of the previous year (the average salary of the previous year is increasing every year, so the pension is rising year by year. So the later you retire, the more pension you get
2. The payment period (the longer the payment period, the more the pension)
3. Personal account savings (the more contributions, the more pension)< 8. Medical insurance benefits are divided into general disease medical insurance, chronic disease outpatient medical insurance and serious disease inpatient medical insurance:
1. General disease medical insurance: about 80% of inpatient expenses are reimbursed, and about 20% are borne by indivials. The amount of reimbursement is tens of thousands of yuan. Outpatient expenses cannot be reimbursed
2. Outpatient medical insurance for chronic diseases: outpatient expenses can be reimbursed
3. Hospitalization insurance for serious illness: about 80% of hospitalization expenses are reimbursed and about 20% are borne by indivials. The amount of reimbursement is more than 100000 yuan

for details, please call 12333.

8.

The operation of indivial payment of social security is as follows:

1. Take materials and a certain amount of money and directly take them to the local social security bureau to pay. The self-employed households will pay 20% or 18% of the monthly salary of the on-the-job employees for endowment insurance, and only 8% of them will enter the indivial endowment insurance fund account, and 12% will enter the special account of endowment insurance fund account; The same is true for medical insurance. About 3.25% of them enter the social security card of personal human resources, and 8% enter the special account of medical insurance fund

9. Indivial social security:

1. You can pay the social security by yourself, but you must do it in the place where you are registered, and you can't do it yourself in other places

1. Indivials can go to social security (pension + medical) as freelancers

2. Insurance conditions: urban registered permanent residence or rural to non registered permanent residence

3. Place of application: social security service point of local community street, or social security bureau (labor and Social Security Bureau) at district and county level

4. Personal basic information: household register, ID card and , 2 1-inch photos

5. Payment standard: Based on the local social average salary in the previous year, the proportion of pension payment is 20%, and the proportion of medical care is about 9%. At present, there are still 80% and 100% options< (2) relevant proceres for indivials to handle social insurance:

1. For those who have previously participated in social insurance, they can continue to participate in social insurance at the local social security institutions with the help of the employee pension insurance manual

2. For those who have not yet participated in social insurance, they can go through the registration proceres of endowment insurance in the third branch of the enterprise with their business license (), ID card, household register and one inch bareheaded photo.

10.

Insurance editor to help you answer, more questions can be answered online

First of all, we should realize that social insurance is a higher quality insurance than commercial insurance, and the reasons are as follows:
1. Social insurance is a national welfare and security enterprise which is not for profit, while commercial insurance is for profit, Generally speaking, the charge of commercial insurance is much higher than that of social insurance of the same standard ~
2. The social insurance is more than that of general commercial insurance. Generally, commercial insurance only covers medical or endowment insurance, and social insurance can cover five kinds of insurance at the same time. Moreover, in the field of medical insurance, the advantage of social insurance is very prominent
3. The standard of social insurance is constantly improving every year, At the beginning of July every year, the country adjusts the social security base according to the basic wages of employees, and the proportion of adjustment is still very high. Generally, it increases by more than 10% every year, that is to say, the more money you get in the future, the higher the money you get. The biggest advantage of this is that it can eliminate the impact of inflation to a relatively small extent, and commercial insurance can also adjust the return, but generally it will not rise faster than social insurance, Now the students who have not participated in social insurance should participate in social insurance as soon as possible, and the students who have participated in commercial insurance but have not participated in social insurance should also participate in social insurance as soon as possible
so, how does social insurance constitute
nowadays, when students go out to look for a job, they often hear that the company pays three insurances and one fund or five insurances and one fund. That's right, that is to say, the company is willing to pay social insurance for you, but according to the national regulations, when the company pays a part, you also have to pay a part, which involves the composition and proportion of social insurance, In this regard, each province has its own standards, so they are not quite the same, but generally they are not much different. Take Nanjing, where I live, as an example:
social insurance = endowment insurance + medical insurance + unemployment insurance + work injury insurance + maternity insurance + housing provident fund
(Note: the practice of the above five insurances and one fund may be different in different regions, Your unit may not pay all the five insurances and one fund for you. For example, some units in Nanjing only pay the remaining four insurances and one fund instead of medical insurance for employees. Some units only pay five insurances instead of provident fund, so you must find out what insurances your unit has paid you and whether to pay provident fund!)
the specific proportion of social security is:
endowment insurance: the unit pays 21% for you and you pay 8% for yourself every month
Medical Insurance: the unit pays 9% for you every month, and you pay 2% for yourself plus 10 yuan for serious illness co-ordination (serious illness co-ordination mainly deals with hospitalization)
unemployment insurance: the company pays 2% for you and you pay 1% for yourself every month
work related injury insurance: the company pays 0.5% for you every month, and you don't have to pay any money yourself
maternity insurance: the unit pays 0.8% for you every month, and you don't have to pay any money yourself
housing provident fund: the unit pays 8% for you every month, and you pay 8%
above, so the unit should pay 21% + 9% + 2% + 0.5% + 0.8% + 8% = 41.3%
the unit should pay 8% + 2% + 10 yuan + 1% + 8% = 19% + 10 yuan for you every month
don't talk about the 10 yuan you pay for the time being, The ratio between the company and you should be 413:190. That is to say, if you pay 190 yuan for your social security every month, the company will add 413 yuan to your social security account, and the amount of money added to your social security account every month should be 413 + 190 = 603 yuan
so the social security fee paid by the company is more than twice that of you when you can't see it, So when you pay the social security fee every month, don't worry about it. You need to know that the company pays much more than you. It's actually the company that worries about it - +
ah ah. Back to the "three insurances and one fund" and "five insurances and one fund", we should have seen that the "three insurances and one fund" mentioned in the Jianghu is equal to "five insurances and one fund", It's just that the three insurances and one fund are from your personal insurance (endowment + medical care + unemployment + provident fund), and the five insurances and one fund are from your unit's Insurance (endowment + medical care + unemployment + instrial injury + childbirth + provident fund), In fact, students who do not have a job but have income or who have a company but do not pay social security can also pay social security by themselves, but indivials can only pay endowment insurance + medical insurance, instrial injury, childbirth, unemployment and provident fund, which you can't pay indivially
the above describes the composition and proportion of social security, Now it's time to introce what is the payment base of social insurance
just now, the students have known that the proportion of social insurance paid by the unit and you is almost 413:190, so now there is another question: what's the relationship between your monthly social insurance premium and this proportion, and how to determine the social insurance premium
you may not have noticed that every province and city will issue a "minimum payment base of social insurance" at the beginning of July every year. This base is determined according to the miscellaneous expenses such as the average salary + welfare + various subsidies of employees in the previous year after statistics and calculation. The minimum base announced by Nanjing in July this year is 1189 yuan. What does that mean, It means that as long as Nanjing is a regular unit that pays social security for employees, the minimum amount of money paid for each employee is 1189 yuan per month × 41.3% = 491 yuan, while employees have to pay at least 1189 yuan per month × 19% + 10 = 236 yuan, so you and your company should pay the social security fee every month
but now there is a new problem. There is a big difference in the wages of employees in Nanjing. Some people get 1000 yuan a month, while others can get 10000 yuan a month. Is it the same social security fee for those who get 1000 yuan and 10000 yuan
Please note that 1189 is the minimum base, and there is a maximum base above 1189. The maximum base in Nanjing this year seems to be more than 8000. I have forgotten the details. Anyway, if your salary is less than 1189 yuan per month, the company must pay 1189 yuan for you × 41.3% = 491 yuan, and you have to pay at least 1189 yuan per month × 19% + 10 = 236 yuan, this is the meaning of 1189 as the minimum payment base of social security: even if you take 1000 or 800 yuan a month, you must pay according to 1189 at least every month
but if your salary is higher than 1189, for example, if you get 3000 yuan a month, when your company goes to the labor bureau to pay you insurance (both your company and the social security fees you pay are dected by the Labor Bureau), you should say to the labor bureau, "ah, we have a comrade who gets 3000 yuan a month, Please dect the social insurance premium according to the standard of 3000 yuan. "Then the Labor Bureau will dect your unit and your money with 3000 yuan as the payment base, and then call it to your social security account. At this time, your unit should pay 3000 yuan for you every month × 41.3% = 1239 yuan, and you should pay 3000 yuan per month × 19% + 10 = 580 yuan
that is to say, if your salary is below 1189 yuan, you will pay 1189 yuan every month; If your salary is more than 1189 yuan, you will pay according to your actual salary every month, unless your salary is higher than the maximum base. If you get 10000 yuan a month and the maximum base is 8000 yuan, you and your company will pay according to 8000 yuan.
here we want to expose the shameless practices of some companies, which may give you thousands of salaries every month, But when they go to the labor bureau to declare your base, they will not report it according to your actual salary. For example, if you get 3000 yuan a month, they may say that you only get 1189 yuan, and then the Labor Bureau will only dect 1189 yuan a month × 19% + 10 = 236 yuan, I'm afraid you're still very happy, because you think less money will be dected from you, but more money you actually get
wrong! If so, your company is too shameless! Because the company pays twice as much as you, so the less you pay, the less they pay! If your actual salary is 3000 yuan, they should pay you 3000 yuan a month × 41.3% = 1239 yuan of social security fee, and according to 1189, they only pay 1189 yuan for you every month × 41.3% = 491 yuan! So in fact, you have suffered a great loss! Regular companies will only go to the labor bureau to declare and dect money according to your actual salary! Only those companies will pay you the minimum standard no matter how high your salary is!! Don't think that the less your social security fee is dected every month, the better!! Maybe you have been shamelessly bullied by the company, and you don't know it at all
it's very simple to determine the base amount paid by the company for you: if you dect 300 yuan of social security every month, your base amount is almost 300 yuan ÷ 19% ≈ 1578 yuan. If your salary is obviously higher than 1578 yuan, such as 3000 or 4000 yuan per month, you must have been bullied by the company. After being bullied, you can go to the local labor supervision team to sue your unit. Generally, you can sue one time, but it's better to find the evidence (such as the payslip) before you leave, If you are not in Nanjing, your contribution rate is probably not 19%, but it will not be much different. For example, your base may be 20% or 22%, but it will never be 30% or 40%! So although 19% is the proportion of Nanjing, students from other places can also calculate their own base by this. I'm a lovely tentacle dividing line. Well, now you know how much social security fee you should pay each month, but what's the specific situation of these social security fees and how to use them? Now let's introce
as we have said before, social insurance = endowment insurance + medical insurance + instrial injury insurance + maternity insurance + unemployment insurance + housing provident fund
let's talk about endowment insurance first
this insurance generally needs to be paid for 15 years before it can enjoy a lifetime pension when it retires, So if you want to get a pension, you must start to pay it 15 years before your retirement, which is almost the same outside Nanjing.
if you have paid the pension insurance for less than 15 years by the retirement age, then when you retire, the state will give you all the 8% pension saved in your personal account.
then you will ask, where is the 21% pension paid by your unit
you can't expect that the state will give it to you. After you retire and take away your personal money, the state will transfer all the 21% of the money paid by the unit to the national pension fund. From then on, the money has nothing to do with you any more
you may say: shit! That's my money. Why don't you give it to me?
because this is the rule of the State - +
when you refund money, you only give it back to an indivial who withholds the money paid by himself. All the money paid by the unit for him contributes to the country? +
now let's see how you calculate your pension when you retire.
the algorithm of pension is very complex, Because the country changes the payment base once a year. For example, if you are 30 years old, your current payment base is 3000 yuan, and if the retirement age is 55 years old, you must start to pay the endowment insurance before you are 40 years old. If you start to pay from 30 years old now, and it is 25 years after you are 55 years old, you will be able to enjoy the pension, If the payment base of 3000 yuan you pay in 25 years has become 6000 yuan (I mean if), you can get 6000 yuan a month when you are 55 × 20% = a basic pension of 1200 yuan, which is given to you by the state. In addition, you have accumulated a lot of money in your personal account in 25 years. Average the payment base, (3000 + 6000) ÷ 2 = 4500, then you 25