The endowment insurance for flexible employees belongs to the endowment insurance for urban workers. Among them, the proportion of pension insurance payment for flexible employees is 20% of the payment base, of which only 8% is included in the individual pension account, and the rest 12% is included in the pension fund pooling account. This is different from the situation of people with units. Because you are a flexible employee, there is no fixed unit to pay the overall cost for you, so you need to bear both costs yourself.

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

People with units are different from those with flexible employment. They are paid by units and individuals, but do not enjoy government subsidies. The contribution ratio of pension insurance units is about 20% of the base of payment (the whole country is not uniform), and that of individuals is 8%. About 20% of the expenses paid by the unit will be paid into the social security pooling account, and 8% paid by the individual will be paid into the personal pension account. The contribution rate of medical insurance units is about 10% of the payment base (the whole country is not uniform), and that of individuals is about 2%. Of the expenses paid by the unit, about 10% is mostly paid into the overall medical insurance account, a few are paid into individual accounts according to different age groups, and about 2% paid by individuals are all paid into individual medical insurance accounts.

Article 12 of the Social Insurance Law of People's Republic of China (PRC) * * * The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.