I am 44 years old this year, I am unemployed, and I want to pay social security by myself, how much money do I need a year?At this age, it is still very necessary to establish your own social security account for flexible employment, because if we think about the current pension insurance, the minimum payment period is 15 years. Then according to the age of 44 years old, 15 years later it will be 59 years old, that is to say, at the normal statutory retirement age, before the age of 60, you can have 15 years of cumulative payment period, so that you can retire normally and enjoy the treatment of receiving a pension on a monthly basis.
However, if you do not have a place of employment, you can only participate in the insurance in the way of flexible employment, of course, we have flexible employment. The pension insurance is exactly the same as the pension insurance that the employees participate in, and there is no difference between the two. It's just that in the process of payment, the cost you pay may be higher, because you need to pay in full, and there will be no employer to bear part of the payment ratio and payment amount for you, so for individuals, the amount of payment they pay will be more, and in recent years, the social security payment base has been continuously improved, and there is a high increase in the minimum payment level.
Starting from 2022, the minimum payment level has appeared in some areas across the country, with a standard of more than 10,000 yuan a year. And every year the social security payment base is a process of continuous improvement, that is to say, every year may show an increase of about 5%, so if you pay the cost of this pension insurance according to 10,000 yuan this year, then it is likely to become 10,500 or even 11,000 yuan next year. In the following year, the overall payment level has increased again, so for individuals, the payment of pension insurance, it is not fixed every year, it is showing a growing trend.
But for us, the more money you pay, the more money you will enter the personal account in the future, and the more you will enjoy the pension treatment, which will naturally be higher, especially the high payment base, which means that the calculation base of the pension will be higher, so the pension you will enjoy in the future is a higher level, and it is not bad for yourself. It's just that for some flexible employment individuals, it does not have a fixed economic income, so it is said that the economic pressure of paying more than 10,000 yuan a year is indeed relatively large for him.
So we employ individuals flexibly. It is possible to enjoy social security subsidies, generally after the age of 40 for women and after the age of 50 for men. You can enjoy this social security subsidy. Once you meet the conditions for enjoying social security subsidies, then it is equivalent to: It is 2 3 of your total payment to enjoy through the social security subsidy, so that you only need to pay 1 3 of the total payment, you can greatly reduce your financial pressure and burden, so you don't have to worry too much about the problem of not being able to pay the fee, because after all, we can enjoy about 5 years of social security subsidies, which is still of great help to flexible employment individuals.
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