A lot of my friends with flexible employment social security have been complaining about one thing: every month, the security of the society depends on individual payments, pension insurance plus health insurance, which amounts to thousands of dollars a year, under strain. In particular, middle-aged workers, who are small, have no unit to contribute to the cost of social security, rent, maintenance, and tuition costs for their children are expensive, and are overwhelmed by tens of thousands of annual social security expenses。
Many are unaware of the fact that the state has introduced a welfare subsidy policy specifically for flexible employment participants, which is a real reduction for us. In total, two mainstream benefits can be applied if they meet the conditions, with thousands less than a year in which the conditions are met for several years. Unfortunately, in reality, 80 per cent of the people who pay for their social security are not aware of the policy, abandon what they should have done for nothing, pay their contributions in full each year, and spend a lot of money in vain. Today, in addition to the hard-line policy provisions, two conditions for the payment of benefits, the channels for processing, the amount of money to be paid, and how to declare it once and for all are clearly stated in plain language。
First, the premise is, who is flexible employment insurance? In the absence of a fixed workplace, without the company paying the five insurance premiums, persons who contribute to the old-age pension, employee health insurance, including self-employed persons, part-time workers, self-employed workers, self-employed workers, self-employed workers and income-generating workers at the social welfare institute, are covered by the subsidy. The purpose of the state's introduction of the subsidy was simple: to reduce the financial burden on self-funded participants and to encourage them to pay their social security contributions without interruptions due to excessive contribution pressure and old age without pension security。
First: social security allowance of 4050 (social security benefit for persons in difficult employment), most commonly used allowance for flexible employment
The introduction of flexible employment subsidies was most widely heard by 4050 and was the most widely covered and well-applied policy. Many people have only heard the name and are not aware of the age of the claim, the criteria for the payment of the allowance。
The basic age criterion is that women who have reached the age of 40 and men who have reached the age of 50, and who have regularly paid old-age and employee health insurance in a flexible employment status, are entitled to a basic threshold of 4050. Some provinces have upgraded their policy to 35 men and 45 women, depending on the local community regulations。
I. How much will be reimbursed for subsidies
The majority of the district subsidies are in the range of 50 to 70 per cent of the total annual contributions of individuals, with an intuitive scale of 12,000 yuan per year for flexible employment and 6,000 to 8,400 yuan per year for the application for benefits, which is reduced by several hundred monthly direct savings. Most of the subsidies are paid on a quarterly or annual basis by means of a personal bank card, without advance or reimbursement。
There are two types of years for which the benefit is paid: regular persons receive a maximum of three years of continuous service; insured persons who have less than five years of statutory retirement (55 women, 60 men), in some areas, receive a direct retirement benefit, which is equivalent to the help of the state, which covers most of the last five years of social security, to cover the costs of reimbursement, which is a solid, heavy-pound benefit。
Ii. These circumstances are admissible and not
You can apply for a crowd:
1. Job layoffs, company layoffs, no new employment units, and flexible employment social security for individuals who pay their own contributions
2. Landless peasants, members of low-income marginal families, with self-insurance flexibility
3. If he is unable to enter a fixed-term enterprise with a mild illness and earns his own living from a casual worker
No hard-to-reach zone can be claimed and no one can do it:
4. Regularly registered companies, self-employed business owners and taxers, most of which cannot claim 4050
5. Employees'social security has been regularly paid at other establishments, while flexible employment insurance has been duplicated and benefits cannot be duplicated
Retired, monthly old-age pension no longer benefits。
A lot of people stepped on the wrong spot: it was a rumour that for many years after the 4050, pensions would become smaller. It is clear from this point of view that 4050 is the state financial subsidy, which only covers the expenses of current contributions, without prejudice to the entry of personal accounts, without lowering the base for contributions, and that the pension is fully calculated on the basis of actual contributions, and that the pension is not reduced by a fraction. Every year, a large number of people are misled by false rumours and are afraid to apply, even if they meet the conditions, to lose thousands of subsidies each year for nothing。
Iii. Processes, free of charge and free of charge do it
Places of operation: place of residence or place of habitual residence, neighbourhood council, street service centre and neighbourhood services window。
Basic materials needed: identity card, social security card, flexible employment social security contribution document, certificate of unemployment registration。
Step of exercise:
1. Carrying an identity card to the community for the registration of unemployment, which is determined by persons in difficulty of employment to be a pre-requisite for obtaining a benefit
2. Presentation of the social security contribution certificate for the current year and completion of the application form
3. Review of staff information and clearance through the entry system, pending a uniform financial allocation。
Officially, all the way through to zero charges, but all the intermediaries who claim to charge hundreds of thousands of service charges for the 450 chargé d ' affaires are pitfalls and the policy itself is free of charge。
Second: one-time start-up social security benefit, exclusive benefit for flexible employment for self-employed persons
A large number of flexible workers who open their own businesses, set up their own stalls and do small business, focus only on 4050, neglecting the exclusive self-employed start-up social security benefit, which is highly targeted and is available in most regions, provided that they are properly licensed and pay their own flexible employment insurance。
Application for hard conditions
1. I have a valid business licence in my name and am normally registered with the market regulator
2. The legal person, acting in a flexible employment capacity, pays the employee's old-age pension, the employee's health insurance, and the business licence holder and the social security contributor are the same person
3. The operating licence was in a normal state of operation, with no cancellations and no unusual business records。
Subsidy criteria and rules
Most municipalities have a one-time subsidy ranging from 3,000 to 8,000 yuan, which fluctuates slightly at different levels of the economy; in a small number of areas, the subsidy is granted on a monthly basis for up to one year. A business licence can only be applied for once and not repeatedly。
To give an example, the older sister, who has been operating a small shop in the district for two years, has been paying for flexible employment benefits at his own expense, without prior knowledge of the subsidy policy, and then went to the street to consult and applied for a lump sum of $4,800 for a start-up social security benefit, which is offset by the cost of half a year。
A number of small employers run businesses that are busy, have never thought of self-employed persons and social security benefits, have missed application deadlines for nothing, and can no longer apply for them after the expiry of their licences。
Supplement: also local, temporary, stable social security benefits
In addition to the two above-mentioned national general benefits, a number of municipalities will introduce temporary benefits for short-term flexible employment, depending on the employment situation of the year, such as casual workers affected by the downturn in the industry and the legacy of the epidemic, out-of-pocket riders and domestic workers, and partial social security benefits. This type of local subsidy is short-lived, mostly concentrated in the second half of each year and, if it is not missed, can be followed on a daily basis by community notices and the public notices of the local people's bureau。
90 per cent of flexible employment
Wrong zone 1: households are not insured and cannot receive subsidies. Corrected: currently, the policy of permanent residence is being liberalized in various parts of the country, permanent residence, residence permits are being processed, flexible employment benefits are being paid regularly, and 4050 subsidies can be requested in the permanent street without returning to the domicile, instead of being used to return home。
Misdirection 2: no application was made last year, and one-time payments were made in previous years. Corrective: most of the social security benefits are limited to the year in which they are declared, are largely not replenished through the year, and the annual centralized filing window is mostly concentrated in july-december of the second half of the year, with the year missed waiting only for the following year。
Misdirection 3: upon receipt of the benefit, the years of contributions to the social security are abolished. Correction: the subsidy is a financial contribution to the individual, all of your contribution records are properly recorded in the social security system, and there is no distinction between the years of contribution, personal account funds and normal self-contributory contributions, without prejudice to health insurance reimbursement and retirement accounting。
Let's split the crowds and find out if we can do it quickly
1. 50 men and 40 women, without a business licence, unemployment contributions for casual workers: priority is given to the declaration of 4050 social security benefits
2. Individual licence holders who are themselves insured: priority is given to applying for a one-time social security benefit for start-up, which may be applied over 4050 at an age (slightly different by-laws, depending on the window response)
3. Older middle-aged insured persons less than five years before retirement: determined difficulties in finding employment and applied for 4050, with an approximate retirement rate of the highest value for money。
I'm going to go through all the small tricks, and i'm going to cut my legs off
1. Prior to the declaration, call the 13,333-person social hotline in advance to advise on local subsidy criteria, date of declaration and date of termination, and avoid a trip in vain
2. Payment instruments are properly retained, and micro-letters, tax apps are printed and used directly in the declaration
3. Some municipalities are open to apply on the line, and local social programmes and government app are unable to complete their submission and are not in line。
Scrambling advice: beware of the fraud of the social security subsidy
With the spread of the subsidy policy, a number of black-minded intermediaries have targeted the flexible employment population, charging them under the banner of “high-subsidized, non-conforming 4050”, and hundreds more. This is a clear reminder that social security benefits are verified on the basis of the large data network of the social security system, the civil registry system and the business system, and that if false information is detected, it will not only fail to claim it, but will also be drawn into the social security loss list, which will affect subsequent participation and benefit claims. As long as the real conditions of the individual are met, the community is assisted free of charge and is free of charge。
To all flexible employment friends who pay for their lives
We chose to pay our social security contributions in full, simply to get old, get sick and go to hospital and get paid for it, without dragging our children. The fact that flexible employment does not involve the sharing of social security costs by enterprises, that tens of thousands of contributions a year crush too many ordinary families, and that the introduction of two subsidies by the state is a real relief for ordinary people。
In reality, many people are intimidated by rumours that they are either afraid to apply for subsidies or simply unaware of the existence of the policy, with full annual payments for their teeth. It is recommended that you take half-hour time and go to community service centres with identity cards and social security cards to ask if you are able to register and file in a timely manner, so that the allowance saved is actually in your pocket。
In particular, those who are close to retirement 60 or 70 years after retirement, and who have less than five years before retirement, are among the groups that have the greatest benefit from the subsidy, should not be wasted on their eligibility for retirement. Social security is the surest guarantee of old age, and it is true that savings in subsidies will make it possible to benefit from the policy dividend, that savings in savings will make up for the household and that life will be improved. The policy is slightly fine-tuned each year, but 4050 and the self-employed start-up social security subsidy are implemented steadily over the long term, with access to welfare benefits as long as flexible contributions are made。
