Can I pay more if the social security is too low?

In the case of insufficient social security contributions, individuals can choose to increase their social security contributions.

First, the basic provisions of the unit social security payment

In China, the payment of social insurance is shared by units and individuals. According to the total wages of employees, the unit pays social insurance premiums for employees according to a certain proportion, including endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. Individuals also need to pay the corresponding social security fees according to their salary income and a certain proportion.

Second, can individuals increase the amount of social security contributions?

According to the current law, individuals can choose to increase their social security contributions within a certain range. This is mainly based on personal voluntary and practical needs. For example, some people may want to get higher pension benefits in the future, so they choose to increase the amount of pension insurance.

However, it should be noted that the increase in the amount of personal social security contributions does not mean that the unit will increase the payment accordingly. The social security payment amount of the company is determined according to the total wages of employees and the legal proportion, and has nothing to do with the increase of the payment amount chosen by individuals.

Third, the actual operation of increasing the amount of social security payment.

Individuals who want to increase the amount of social security contributions can apply to the personnel or financial department of their unit. According to the relevant regulations and policies, the unit will assist individuals to go through the formalities of increasing the payment amount. The specific process may be different in different regions and units. It is recommended that individuals consult the relevant departments of their units or local social security institutions before applying.

At the same time, individuals can also learn about relevant policies and regulations by querying social security payment records to ensure that their social security rights and interests are protected. If you find that the social security payment of the unit is insufficient, you can complain to the local social security agency or the labor inspection department.

To sum up:

In the case of insufficient social security contributions, individuals can choose to increase their social security contributions. However, it should be noted that the social security payment amount of the unit and the individual's choice to increase the payment amount are two independent concepts. When applying for increasing the payment amount, individuals need to follow relevant laws and policies and apply to their units. At the same time, individuals should also pay attention to their social security rights and interests to ensure that they get the protection they deserve.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 10 stipulates:

Employees shall participate in basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, and employers and employees shall jointly pay basic social insurance premiums.

Article 60 provides that:

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.