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class="user_id noshow">1054</em>由 <em class="nickname"></em> 分享</span> <span id="e286xo47mbob" class="fl arc_btn"></span> </div> </div> </div> <div id="e286xo47mbob" class="y_ju"><script type="text/javascript">a("title");</script></div> <div id="e286xo47mbob" class="con_article con_main" id="contentText"> <p> 　　社保的繳納方式分為個人繳納和單位繳納兩種。個人如何繳納社保呢？下面就給大家講解一下個人繳納社保的具體流程。</p><h2> 　<strong>　自己繳納社保的流程</strong></h2><p> 　　個人繳納社保，只能繳納養(yǎng)老金和醫(yī)療<a href='http://www.yishupeixun.net/live/cai/baoxian/' target='_blank'><u>保險</u></a>這兩部分。具體流程如下：</p><p> 　　1、個人如何繳納社?？梢砸宰杂陕殬I(yè)者的身份上社保(養(yǎng)老+醫(yī)療);</p><p> 　　2、參保條件：城鎮(zhèn)戶口或農轉非戶口;</p><p> 　　3、辦理地點：當地社區(qū)街道的社保服務點，或區(qū)縣一級的社保局(勞動保障局);</p><p> 　　4、個人如何繳納社保問題中所需基本資料：戶口本、身份證和復印件，2張1寸照片;</p><p> 　　5、繳費標準：以上一年本地社平工資為基礎，養(yǎng)老繳費比例是20%，醫(yī)療約9%，目前尚有80%和100%兩檔可以選擇。</p><h2> 　　<strong>個人繳納社保兩種形式</strong></h2><p> 　　1、由單位代交。</p><p> 　　單位與個人按比例共同繳費，個人部分將按照個人的上年月平工資8%交納養(yǎng)老保險，2%交納醫(yī)療保險，0.5-1%交納失業(yè)保險;</p><p> 　　2、個人以靈活就業(yè)人員交納社會保險。</p><p> 　　按照規(guī)定的繳費基數及比例繳納，各地規(guī)定不同，一般養(yǎng)老保險在18--28%的比例繳費，醫(yī)療保險一般按當地上年社會平均工資水平的6--10%繳費。</p><p> 　　異地人員自己如何繳納社保?</p><p> 　　異地戶籍人員如果想要在當地辦理社保，需要申請“社保轉移”手續(xù)，其具體辦理流程如下：</p><p> 　　1、參保人員在新就業(yè)地按規(guī)定建立基本養(yǎng)老保險關系和繳費后，由用人單位或參保人員向新參保地社保經辦機構提出基本養(yǎng)老保險關系轉移接續(xù)的書面申請;</p><p> 　　2、新參保地社保經辦機構在15個工作日內，審核轉移接續(xù)申請，對符合本辦法規(guī)定條件的，向參保人員原基本養(yǎng)老保險關系所在地的社保經辦機構發(fā)出同意<a href='http://www.yishupeixun.net/fwn/jieshouhan/' target='_blank'><u>接收函</u></a>，并提供相關信息;對不符合轉移接續(xù)條件的，向申請單位或參保人員作出書面說明;</p><p> 　　3、原基本養(yǎng)老保險關系所在地社保經辦機構在接到同意接收函的15個工作日內，辦理好轉移接續(xù)的各項手續(xù);</p><p> 　　4、新參保地經辦機構在收到參保人員原基本養(yǎng)老保險關系所在地社保經辦機構轉移的基本養(yǎng)老保險關系和資金后，應在15個工作日內辦結有關手續(xù)，并將確認情況及時通知用人單位或參保人員;</p><p> 　　5、養(yǎng)老保險繳費年限是累計計算的，中間允許有空檔，可補可不補。</p><h2> 　　<strong>個人繳納社保政策規(guī)定</strong></h2><p> 　　1、城鎮(zhèn)個體工商戶和靈活就業(yè)人員參加基本養(yǎng)老保險的繳費基數為當地上年度在崗職工平均工資，繳費比例為20%，其中8%記入個人賬戶，退休后按企業(yè)職工基本養(yǎng)老金計發(fā)辦法計發(fā)基本養(yǎng)老金;</p><p> 　　2、醫(yī)療保險方面，自由職業(yè)者，個體戶參保，可以選擇只建統(tǒng)籌基金，不建個人帳戶，按當地上年度月平均工資的4.2%繳納基本醫(yī)療保險費;也可以選擇按當地上年度月平均工資的8%繳納，建立個人帳戶!職工參加醫(yī)療保險是單位承擔6%，個人承擔2%;</p><p> 　　3、在辦理結束養(yǎng)老保險手續(xù)后，帶著已辦理的養(yǎng)老保險手續(xù)，以及相關證件，到當地的醫(yī)保中心辦理繳納醫(yī)療保險;</p><p> 　　4、養(yǎng)老保險最低交納年限為15年，醫(yī)療保險最少需要交納25年。并在達到退休年齡時就可以申請辦理養(yǎng)老金待遇和醫(yī)療報銷優(yōu)惠。</p><h2> 　<strong>　自己繳納社保是否劃算</strong></h2><p> 　　1、首先保險不要斷續(xù)交，斷交對自己是很劃不來的，像養(yǎng)老險，你續(xù)交了，退保只能拿回自己賬戶里的，但進入社會統(tǒng)籌的那么多錢錢是不會退給你的。不退保的話肯定要交遲納金。還有交費年限的計算，如果你是退了保的，年限肯定是從續(xù)保時開始算。而醫(yī)療險斷續(xù)交還有個中斷享受報銷制度的時間問題，因此，非特殊情況不要斷交社保;</p><p> 　　2、社保怎么交劃算，看保費額就知道，即使是最低檔，也是一個不小的數字!如何劃算?活得長就劃算，越活得長就越劃算!</p><p> 　　一、養(yǎng)老保險與醫(yī)療保險自己要如何交?</p><p> 　　1、養(yǎng)老保險</p><p> 　　去你戶口所在區(qū)的社保局辦理，帶上本人身份證，免冠一寸照片，<a href='http://www.yishupeixun.net/shenqing/' target='_blank'><u>申請書</u></a>等即可，每月交多少錢在辦理的時候工作人員會給你算好，是根據去年社平工資計算，個體工商戶或其他靈活就業(yè)人員在參加養(yǎng)老保險時，將按照在崗職工月平均工資的20%繳納基本養(yǎng)老保險費。</p><p> 　　2、醫(yī)療保險</p><p> 　　如果是城鎮(zhèn)居民的話，購買城居醫(yī)療保險，帶身份證、戶口本原件以及復印件、一寸彩照到社區(qū)居委會或者社保所繳費登記。農村居民可以參加農村合作醫(yī)療，一般村委會會通知你什么時候交，會統(tǒng)一辦理。如果你是個體戶參保，可以選擇只建統(tǒng)籌基金，不建個人帳戶，按當地上年度月平均工資的4.2%繳納基本醫(yī)療保險費;也可以選擇按當地上年度月平均工資的8%繳納，建立個人帳戶!</p><p> 　　二、自己繳納社保貴不貴，怎么繳納?</p><p> 　　1、如果你自己負擔自己的社保，就應當按照自由職業(yè)者辦理社會保險。</p><p> 　　2、自由職業(yè)者，城鎮(zhèn)個體工商戶和靈活就業(yè)人員參加基本養(yǎng)老保險的繳費基數為當地上年度在崗職工平均工資，繳費比例為20%，其中8%記入個人賬戶，退休后按企業(yè)職工基本養(yǎng)老金計發(fā)辦法計發(fā)基本養(yǎng)老金。</p><p> 　　3、醫(yī)療保險方面，自由職業(yè)者，個體戶參保，可以選擇只建統(tǒng)籌基金，不建個人帳戶，按當地上年度月平均工資的4.2%繳納基本醫(yī)療保險費;也可以選擇按當地上年度月平均工資的8%繳，建立個人帳戶!</p><p> 　　三、個人怎樣繳納養(yǎng)老保險?</p><p> 　　1、通過單位參加養(yǎng)老保險，職工個人提供身份證和需要的照片就可以了，由單位人員去辦理;</p><p> 　　2、如果個人參加養(yǎng)老保險，就應當按照自由職業(yè)者參加社會保險的辦法執(zhí)行。自由職業(yè)者，只能參加養(yǎng)老保險和醫(yī)療保險。養(yǎng)老保險和醫(yī)療保險的繳納，有具體規(guī)定：養(yǎng)老保險：帶上本人的身份證、失業(yè)證和2張1寸照片，到當地的社保中心的營業(yè)窗口辦理。</p><hr /><p style="margin: 5px 0px; color: rgb(0, 0, 0); font-family: sans-serif; font-size: 16px;"> 猜你感興趣：</p><p style="margin: 5px 0px; color: rgb(0, 0, 0); font-family: 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