40 years old is a precious link in life, life is not satisfactory, but also a link with the greatest economic burden, but for some people, it is the initial stage of career success or a brilliant link. Freelancers should use flexible methods to find jobs independently. Although it does not belong to the eight-hour working system, it will not be bound by various unchanging employers. You can also engage in your favorite work according to your personal skills, age standards and hobbies. In this practical sense, freelancers are the key to employment in China, and flexible employment can also be one of the important ways to solve the problem of unemployed population in China.

Freelancers pay social security by themselves. Because they are flexible in employment and choose their own jobs, there will be no problem of being laid off. Because maternity insurance and industrial injury insurance are paid in full by the unit, freelancers such as unemployment insurance, maternity insurance and industrial injury insurance do not need to pay, and there is no need to pay. Freelancers pay social security, which belongs to their own attributes and is not as mandatory as employees.

Freelancers pay their own social security, because they pay in full, and they need to bear the personal payment part and the overall account part. Therefore, according to their economic development capacity, they should choose to pay endowment insurance and medical insurance, or they can directly choose to pay endowment insurance, pay employee medical insurance at the same time or pay urban medical insurance instead. Everyone's income analysis is different, and the types and payment bases of social security are also different.

If you choose to pay endowment insurance independently, the average monthly income of employees in the previous year is the payment base, and you can also choose the payment index within the range of 60% to 300%. The minimum payment index is 60% and the maximum payment index is 300%. However, it should be noted that everything can be considered from the individual's economic level. Never underestimate your own economic conditions and pursue the biggest payment index. After all, you are 40 years old, so it is important to ensure that you can continue to pay. Especially for women, the payment period is only 15 years. If there is a slight gap of a few months or a year or two, there is no guarantee that they can retire when they reach the statutory retirement age stipulated by law.

Freelancers with good natural and economic development conditions should pay at least 100%, which can ensure the continuous payment level, and the endowment insurance premium is unlikely to be too low in the future, at least a medium endowment insurance premium level should be maintained. However, because the payment period is only 15 to 20 years, the old-age insurance premium may not be much higher, because in the calculation of pension, besides the payment index, it is more important.

Besides providing for the aged, there are also medical problems. Freelancers who have no pressure on economic development need to pay employee medical insurance on the premise of paying endowment insurance, which is the perfect composition. Employee medical insurance can not only deal with the reimbursement of medical treatment in the current period, but also the reimbursement ratio far exceeds that of resident medical insurance. If the employee's medical insurance is paid according to the unified account, in addition to coordinating the fund account, it is also necessary to establish a personal account, which is actually cashed back to the social security card every month. Of course, that's also nitpicking the bone in an egg. Only the medical insurance you pay according to the method of unified accounting can have a personal account.

Another advantage of employee medical insurance is that the payment period should be calculated cumulatively. In fact, when I retire, if the payment period of medical insurance is stipulated by the state, I will no longer pay medical insurance and enjoy social security benefits for life, which is what we call medical insurance retirement salary; If the medical insurance payment period does not reach the prescribed payment period at retirement, it can also be paid in one lump sum and enjoy the medical insurance retirement salary for life after payment; If you don't have the money to pay in one lump sum, you can pay gradually, or you can enjoy the medical insurance retirement policy according to the prescribed payment period.

Generally speaking, 40-year-old freelancers pay social security by themselves, which is more appropriate in terms of age. Basically, you can retire on time with the minimum social security payment 15 years, have your own old-age insurance, and the future old-age service is basically guaranteed; If the employee's medical insurance is paid again, the basic problem of seeing a doctor in the future will also be solved, and you can enjoy medical insurance retirement while enjoying old-age care.