对于灵活就业人员而言，是否缴纳职工社保是一道需要在短期 收入和长期收入之间做取舍的难题。如果个人想通过缴纳职工 社保获得更高的退休金，必然需要每月"牺牲"一部分工资，来 换取退休后的养老金。 作者：田进 封图：图虫创意 2025年，从年初多平台官宣为骑手缴纳社保、年中的社保新规争议到年底各地社保缴费基数调 整，社保依旧是民生领域讨论的热点话题。 当前，中国已经建成世界上最大规模的社会保障体系。截至2024年，全国基本养老保险已覆盖 10.12亿人。其中，参加城镇职工养老保险人数为5.35亿人，参加城乡居民养老保险人数为5.38 亿人。 相比于城乡居民养老保险，城镇职工养老保险能在退休后提供更高程度的保障，两者退休金平均水 平差距在10倍以上。制度设计上，职工养老保险的作用就是让参加养老保险的劳动者在达到法定 退休年龄或因年老丧失劳动能力退出劳动岗位后，能够获得基本的生活保障；其次，养老保险能够 实现社会互济与风险共担，减轻个人和家庭的养老负担。 近些年，政策层一直试图推动更多人缴纳职工社保。其中，约3亿灵活就业人群便是主要的目标人 群。2025年年底召开的中央经济工作会议就提出，鼓励支持灵活就业人员、新就业形 ...

Core Points - The deadline for flexible employment individuals to pay their pension insurance fees for the year 2025 is December 31, 2025, which is crucial for maintaining their contribution years and retirement benefits [1] - From July 1, 2025, the social insurance contribution base will be set at 6,385 yuan/month, with a lower limit of 3,831 yuan (60%) and an upper limit of 19,155 yuan (300%) [1] - The principle of retirement benefits is based on "longer contributions yield more benefits," meaning that both the length of contribution years and the amount contributed directly affect future retirement benefits [1] Summary by Category Pension Insurance Payment - Flexible employment individuals must complete their pension insurance payments by December 31, 2025, to avoid affecting their contribution years and retirement benefits [1] - Late payments cannot be made across years, which emphasizes the importance of adhering to the deadline [1] Contribution Base Adjustment - Starting July 1, 2025, the contribution base for social insurance will be adjusted to a monthly amount of 6,385 yuan, with specific lower and upper limits established [1] - The tax system has already adjusted for the contribution base differences from July to October 2025, and individuals are reminded to make up any payment discrepancies by the end of the year [1] Retirement Benefits Principle - The retirement benefits system operates on the principle that longer and higher contributions lead to better retirement outcomes, directly linking contribution amounts and years to future benefits [1]