My mother has never worked in a formal establishment in her entire life, has no employment contract, has no company to contribute to the cost of social security, and spends most of her life on housekeeping and part-time work in restaurants. From the age of 45 years, she was determined to pay her employee's old-age pension in a flexible form of employment. She was able to pay her contributions for 20 years without interruption. At the age of 55 this year, she successfully completed the retirement procedure. The first pension was entered on time into the bank card. When the amount of the pension was in front of her, she was told to withdraw her insurance and spend money in vain。
The whole thing is not an exception in the case of ordinary families, where there are many middle-aged people who are not formally employed, who struggle with the invisibility of paying their own contributions, some who give up their insurance and others who are biting their teeth and insisting on paying. In conjunction with the mother's 20 years of real participation in the scheme, the current policy of the partner community, the rules for the official accounting of pensions, the objective dismantling of the advantages and disadvantages of flexible employment coverage, the preparation of the general population's participation in the protection of pits, and the application of all data to the public standards of the local social welfare offices, without exaggerating pension earnings or creating insurance benefits, are consistent with the existing social security regulations。
I. Twenty years of contributory service, often discouraged by relatives from returning
Twenty years ago, the mother was 45 years old, and most women of the same age chose resident pension insurance, with a small contribution burden of several hundred dollars a year. After consulting with the staff of the local social security hall, the mother decided to take part in a flexible employment pension, a decision that had just been made, and the relatives of the family opposed it。
The first challenge was that there was no place to pay, that full self-payment was a loss of profits, that the bank would be more secure with thousands of contributions each year; that the father had children to support him after he was old, that he did not have to pay his monthly contributions to the social security board, and that if a few years of old-age pension were absent, all the money he had paid earlier would be lost; and that even close cousins had repeatedly advised that the contributions should be used for old-age savings。
At that time, the minimum contribution base for flexible employment was low, with contributions of less than $5,000 for the first full year of old-age insurance, and the contribution rate increased each year as the annual social wage increased. In the previous 10 years, the mother had been working daytime as a keeper of her housekeeping, and had taken the indirect hour of her free time. Every month, she had paid a monthly wage to set aside social security costs, to save as much as possible for daily meals and drinks, and to make good adjustments in the replacement season. In the middle of the two years, there was an urgent need to use money for family emergencies, and relatives came to her door again to persuade her to suspend her contributions and even to propose a direct refund of the current contingency, and the mother, at her discretion, borrowed money to cover the current year's contributions, without a single severance record。
The base of contributions for the next 10 years has continued to rise, with contributions for old-age insurance exceeding 10,000 a year, at the lowest 60 per cent of local contributions, and the cumulative amount of self-contributory contributions over 20 years amounts to almost 190,000 yuan. This money was not a small amount 20 years ago, but also a key point in the years when relatives failed to appreciate it, and it was difficult for everyone to return the investment by default。
In the first half of this year, the mother fulfils the conditions for her legal retirement and takes an identity card and a social security card to the social security centre of the place where she is insured to submit her application for retirement. The staff member calculates the pension in accordance with a uniform formula. The following month's pension is normally paid after the completion of the approval, with the first month's pension amounting to $1926。
The news came to the community, where relatives who had frequently expressed objections were silent throughout their entire lives, and where no one had ever referred to the ineffectiveness of paying for social security, several elderly people who were nearing retirement approached me in private and asked for details about flexible employment conditions, and the choice of contribution slots。
Ii. Dismantling the pension composition to understand how to pay nearly $2,000 in 20 years
Many people do not understand the rules governing the calculation of flexible employment pensions, who are assumed to be linked only to the total amount of individual contributions. In fact, the national pension insurance system (including flexible employment) consists of two components: the basic pension plus the personal account pension, which is fixed at 170 months for women at 55 years of age and 139 months for women at 60 years of age。
1. Basic old-age pension: a consolidated account with an increase in the average wage of the beneficiary society
The basic pension calculation formula: (average monthly wage of the local employed worker in the previous year at the time of retirement + average monthly contributory wage indexed by the person) ÷2 x contribution years x 1 per cent。
This is financed from the consolidated fund, which accounts for 20 per cent of the total flexible employment contributions, 12 per cent of which are allocated to the consolidated account and 8 per cent to the individual account. For 20 years, the mother has chosen a minimum contribution of 60 per cent, and the place of retirement is the base rate for the current year of $5860, with an average contribution index of 0. 6 and a monthly calculation of the basic pension of $1394. The basic pension goes hand in hand with the annual increase in the social wage, the annual increase in the state's unified landing pension and the monthly increase in the pension for retirees, which is the best advantage of the employee's pension compared to that of the resident。
2. Personal account old-age pension: the individual's contribution is accumulated and the remaining balance is fully inherited
The personal account holdings, which represent 8 per cent of the contributions made in a calendar year, are credited to funds plus interest recorded on an annual basis and are accumulated on a monthly basis. The mother's principal and principal of the mother's personal account for 20 years was $89720, retirement at age 55 divided by 170 per month, and the personal account pension was approximately $528 per month, plus two fixed monthly pensions. The amount of $1922, which is essentially the same as the amount actually received, represents a slight adjustment in interest from the calendar year。
It corrects a wide-spread area of error: the insured person dies, the remaining balance of the personal account is not collected, the immediate family member can inherit in full in accordance with the law, and the family can claim funeral benefits and lump-sum pensions, and there are no cases in which all the money paid is invalidated. Even after retirement without receiving a pension, the combined portion, although not recoverable, has been able to recover the balance of the personal account plus the funeral pension benefit, which, in most cases, is able to recover the bulk of the contribution cost, a claim of extreme loss that is inconsistent with current social security policies。
Iii. Objective comparison between old-age workers and resident pensions, on the basis of choice of needs
There are only two main options for participation: pension insurance for flexible employed workers, old-age insurance for urban and rural residents, and there are significant differences between the rules for participation in the two types of insurance, the contribution criteria, and retirement entitlements, which are also the main reasons why many candidates are wasting their money by misinsurance。
First, the rules of contribution differ. The monthly contribution rate for workers in flexible employment is 60 to 300 per cent of the local average wage, with a minimum monthly contribution of more than $880 in most regions of the country in 2026 and a start of pension insurance of 10,000 yuan a year; the annual contribution rate is set at several hundred to several thousand yuan and a minimum contribution of 200 yuan a year, with minimal economic pressure。
Second, retirement age varies. Women in flexible employment are paid for retirement at the age of 55 and men at the age of 60; urban and rural residents are not eligible for old-age pension until they have reached the age of 60, and receive benefits five years later。
Thirdly, there is a significant difference in pension entitlements. The basic old-age pension for urban residents on the 3rd and 4th line is generally in the range of $150. Even if the highest contribution is chosen for 20 years in a row, most of the monthly pension after retirement is not more than $800, which is much lower than the employee's old-age pension; at the lower end of the same contributory period, the employee's monthly pension is generally more than twice the resident's old-age pension, with a higher annual increase。
A brief summary: the income is stable and can afford to pay around a million yuan a year, giving priority to flexible employment; the income is low and can only cover hundreds of years ' contributions; the population chooses to take care of the old-age pension and not to be blindly insured。
Iv. Flexible employment coverage of 4 practical benefits, with most participants making mistakes pass
In accordance with the flexible employment support policy issued by the ministry of human welfare, eligible participants can apply for benefits such as social security benefits, arrears, etc., and many self-funded participants are not aware of the policy, spending more money over the years, and all four dry items can be verified in the local community halls and political platforms。
1. 4050 social security benefits (locally called)
Women over 40 years of age and men over 50 years of age, without a record of contributions to the social security scheme, with flexible employment status and maintenance + health insurance, who are in employment difficulties, may apply for the social security contribution allowance, which is generally 50 to 70 per cent of the total contribution, for a maximum period of 36 months, with some areas eligible for a second claim, thus significantly reducing the annual contribution pressure. Applications are made through the community housing council of the domicile, the local government service centre and the people's institute window。
2. Policy of suspense for groups in need
A person who is employed in a flexible manner with low insurance, severe disability, and severe illness resulting in financial hardship may apply for a stay in old-age insurance on the basis of a relevant certificate, without a delay in payment, without a direct interruption of the period of service, and without sudden reversal of insurance。
3. Annual pension increases
Since 2005, the country has been making several consecutive increases in the retirement pension of employees in enterprises, with the simultaneous participation of retirees in flexible employment and employees in enterprises, and with full consistency of treatment rules, which is the most effective guarantee against inflation in social security。
4. Bonded health insurance
In most areas, flexible employment allows for the simultaneous payment of employee health insurance, regular in-patient reimbursement after contribution, consolidated out-patient treatment, retirement to meet the length of health insurance contributions, life-long exemption from health insurance contributions and life-long health insurance reimbursement benefits。
V. Guidelines for securing pits by ordinary people at their own expense, avoiding three common fault areas
Mistake i: payments are suspended immediately after 15 years. The current policy provides for a minimum contributory period of 15 years for retirement in 2025 and an annual increase in contributory years beginning in 2030, leading to a transition to a minimum of 20 years of old-age pension. The base of 15 years of retirement pension is low, financial conditions are in place to increase contributions as long as possible, the rule of long contributions is followed, and the basic pension increases at the same time for each additional year。
Misdirection ii: a one-time lump sum contribution to the employee's old-age pension. At present, most of the country's regions do not allow flexible employment to contribute to old-age pension insurance on a one-time basis, but only on a monthly basis, and the payment of a 15-year lump-sum social security contribution by the chargé d ' affaires is a fraud against property damage。
Mistake iii: shortfalls of cash are directly refunded. Except in exceptional circumstances, such as the fact that the participant is a resident of the country or is a deceased person, the normal conditions do not allow him/her to retire. Short-term shortfalls allow him/her to apply for a stay of payment, a suspension of contributions, a subsequent renewal of contributions, and a cumulative period of time is sufficient。
Objective accounting: mother's participation in insured inputs and earnings and a rational return to the current cycle
The cumulative contribution of nearly 190,000 yuan over the past two decades, with an initial pension of 23830 yuan (monthly pension + heating allowance) and a static return to the current cycle of about eight years without calculating the annual increase in pensions and interest on personal accounts. In our country, life expectancy per capita has risen year by year, with women over 80 years of age on average, the vast majority of pensioners receiving old-age pensions are well over their old-age pension, and all subsequent pensions are additional guaranteed benefits。
If the annual pension increases, the life-long reimbursement of health insurance, and the funeral pension benefits, are taken into account, the overall premium is in line with the national social security design. There is, of course, an objective pre-payment pressure for flexible employment, without imposing overdrafts on the quality of life to enforce high-level contributions, giving preference to low-end, steady years of contribution, and raising the base of contributions after higher earnings。
End-of-text discussion
If you don't have a formal job, do you choose whether to pay for it or not
Are there any real cases where my mother, like hers, insists on paying for years to change perceptions after retirement
Did you get the social security allowance? What is the local subsidy rate
