In recent years, with the vigorous development of new industries, new formats and new models in China, various flexible employment models have absorbed a lot of labor employment. By the end of 2021, the number of flexible employees in China has reached about 200 million. Then, how do flexible employees participate in endowment insurance?
According to the relevant person in charge of the Ministry of Human Resources and Social Security, individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer, and other flexible employees can voluntarily choose to participate in the basic old-age insurance for urban employees according to their own conditions. The insured can choose an appropriate payment base within the upper and lower limits of the individual payment base specified by this province, and the payment ratio is 20%. You can choose to pay monthly, quarterly, semi-annually, yearly, etc., and the payment is all borne by the individual. Being insured as a flexible employee, although the payment ratio is lower than that of enterprise employees, they enjoy the same treatment as enterprise employees. Flexible employees who reach the retirement age stipulated by the state and meet the minimum payment period of basic old-age insurance can receive basic pensions on a monthly basis.
Not only that, people with employment difficulties and college graduates who have not been employed within two years of leaving school can also apply for social security subsidies if they achieve flexible employment. According to the specific standards, a certain amount of subsidies will be given according to the social insurance premium paid after flexible employment, which in principle does not exceed 2/3 of the actual payment. The maximum period of social security subsidies for people with employment difficulties shall not exceed 3 years, and those who are less than 5 years away from the statutory retirement age may be extended to retirement; The maximum period of social security subsidies for college graduates shall not exceed 2 years.