Why must you pay social security? What are the benefits of paying social security?

Hello everyone, I'm Ajen, recently happened to be looking at the knowledge in this area, by the way, my opinion, five insurance and gold is very important! Here is a detailed description of the five insurance and one gold, may be many people, know the five insurance and one gold, but do not know exactly what is the use?

First, the pension insurance

As the name suggests is that when you come to be able to receive a pension, this time the state will be a part of the money from its pension pool to you, but especially pay attention to is that the pension insurance is the need to pay a full 15 years in a row in order to receive, which means that this is something you have to pay to qualify for a pension in the old time! But want to rely on this pension to maintain a normal life, that or don't think about it.

Two, medical insurance

can be said to be vital, usually sick, buy drugs can use health insurance, the operation is also simple, now Alipay - city services - social security, you can see how much money their health insurance, and you can use it to buy medicines, a lot of drugstores support the health insurance to buy medicines, but need to pay attention to is the health insurance to stop paying, 3 months do not enjoy the health insurance! Treatment, that is, this time you can not use the health insurance to buy drugs, see a doctor; again to pay the need for six consecutive months in order to enjoy back to the treatment of health insurance, so a long time do not pay the medical insurance students, it is recommended to go to the social security individual payment of social security, or to buy a commercial medical insurance. Remember, health insurance is the most important thing, do not break the payment!

Three, maternity insurance

That is, the birth of a child, this is not only for women, men also have Oh, men also have maternity insurance and maternity leave, at the same time, you can enjoy the medical fee subsidies and maternity living allowance;

Four, unemployment insurance

If you one day suddenly out of work, then the role of the unemployment insurance came, you can collect unemployment insurance, but the prerequisites There are many, please see, 1, must pay 1 year of unemployment insurance; 2, must be passive unemployment, like the kind of initiative to leave the job is not to get unemployment benefits; 3, must be unemployed within 60 days after the registration; only these prerequisites are met, you have the opportunity to receive unemployment benefits; but the unemployment benefits are not always able to receive, the longest receive 2 years;

Five, workers' compensation

When you suffer an accidental injury during the work period, you will have a chance to receive unemployment benefits, but you will not be able to receive them. You are at work, suffered an accidental injury or got an occupational disease, then the role of the workers' compensation insurance came to make up for your losses, so it is also very important, of course, we do not want to get the insurance money it!

Six, housing provident fund

Maybe this is the most concerned about a gold, we buy a house, renovation, rental housing, etc., can take the provident fund, widely known is that, provident fund loan to buy a house, we all know that the loan interest rate relative to the commercial loan to be a lot cheaper; if you don't want to buy a house, you can also take out the provident fund directly to use the Alipay on the city services, can check and extract the provident fund, can be used to help you to find the best way to get the best value for your money. The EPF, you can query and extract, very convenient!

Social security is quite useful, what is the specific use of social security?

1, pension insurance

Pension insurance according to the individual 8%, the unit 19% of the proportion of payment, payment of 15 years, to the retirement age can receive a pension. Individual entrepreneurs without employees, part-time workers who do not participate in basic pension insurance with their employers, and other flexibly employed people can participate in basic pension insurance and pay basic pension insurance premiums by themselves.

The role of old-age insurance is mainly to provide a reliable source of income for the elderly in their old age and to meet their living needs. Social Pension Insurance Whether it is enterprise employees' pension insurance or urban and rural residents' pension insurance, there is a positive relationship between the level of contributions and the level of treatment, that is, "pay more and get more, pay more and get more". The higher the contribution base, the longer the contribution period, the higher the corresponding treatment, which is a basic principle that social pension insurance must follow.

2. Medical insurance

Basic medical insurance includes basic medical insurance for urban residents and basic medical insurance for employees.

Basic medical insurance for urban residents is an integral part of social medical insurance, and adopts a government-led, individual (family) contributions as the mainstay, supplemented by modest government subsidies as a financing method, in accordance with the principle of consistency between the standard of contributions and the level of treatment, to provide medical care for the urban residents of the medical needs of the medical insurance system;

Employee basic medical insurance is by the enterprise and the individual*** the same The basic medical insurance for employees is paid by enterprises and individuals*** together, with the unit paying 6.5% and the individual paying 2%;

The medical unit for major illnesses is 1%, and the individual does not have to pay.

The main role of the basic medical insurance:

1, is the insured person is sick, especially when suffering from a serious illness, to a certain extent, to reduce the financial burden;

2, is the insured person is healthy, the premiums can be used to help other insured patients, thus reflecting the "one person has a disease, all the family help" spirit of mutual assistance***. The spirit of mutual assistance.

3, is to relieve the worries of the insured. To encourage urban residents to participate in the insurance.

3, maternity insurance

Maternity insurance is paid by the enterprise, the individual does not pay (personal social security can not pay maternity insurance). Maternity insurance is a social insurance system in which the state and society provide maternity medical care, maternity allowances and maternity leave to women workers who are pregnant or giving birth when their labor is temporarily interrupted by the state through legislation. It can be said to be, an overbearing benefit for mothers-to-be.

The role of maternity insurance:

1. Maternity insurance is conducive to the protection of women's basic rights and interests. It allows women to safely go through the period of labor and also creates conditions for them to put in normal work after giving birth. It relieves the worries of women workers who have given birth.

2, the implementation of maternity insurance, not only for the benefit of women, but also conducive to the smooth implementation of the national population policy. China's implementation of family planning, eugenics, the basic state policy, the implementation of maternity insurance system, can promote the implementation of this basic state policy.

3. It is conducive to improving the quality of the population and ensuring the reproduction of the labor force. It can also guarantee that women enjoy equal treatment in enterprises.

Social security is social insurance, including pension insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance, the following I will say a few words about the benefits of purchasing these insurances:

I. Pension insurance (urban workers' pension insurance and urban and rural residents' pension insurance)

1, to protect the basic life of retirees or elderly people over 60 years old, and to realize the old. Pension insurance can provide the elderly with a reliable source of economic resources to meet their basic needs of life, not to be old without food.

2. Reduce the burden of child support. Before the liberalization of the two-child policy, a couple has to support four elderly people and a child, you can imagine how much economic pressure this is. Even if the two-child policy is now liberalized, according to official data, fewer and fewer people are having two children, which is an inevitable trend of social development. If all the elderly have pension insurance, then it will greatly reduce the burden of children, the elderly and the whole family have brought great benefits.

3. Increase income. Payment of pension insurance is actually a kind of invisible deposit, pension insurance is generally paid for 15 consecutive years to the age of the pension service can be enjoyed for life. Under normal circumstances, generally 7 to 8 years will be able to pay their own pension all back, 7 or 8 years after the pension is additional income, it is obvious that this is a way to increase income.

4, from a macro point of view, can promote social harmony and stability. Imagine, if all people do not pay pension insurance, to be old people even the basic life is not guaranteed, of course, society will be in turmoil. Therefore, the payment of old-age insurance can eliminate people's worries, society will naturally be stable.

Second, medical insurance (urban workers' medical insurance and urban and rural residents' medical insurance)

Whether you buy workers' medical insurance or urban and rural residents' medical insurance, on the one hand, it relieves the worries of the workers, and makes them feel at ease with their lives and work, and to be honest, the purchase of medical insurance is to buy a piece of peace of mind, and no one wants to get sick; on the other hand, it can make us sick, sick, sick, sick, sick, sick, sick, sick, sick, sick, sick, sick, sick, sick, sick, sick. The first thing you need to do is to get a good deal of money from your family.

Third, unemployment insurance

When we are unemployed, that we lose a short period of time, the source of life, this time the unemployment insurance can be received for up to two years of unemployment insurance benefits, in layman's terms, is not to look for a job during the period of no food, and unemployed workers suffering from serious injuries and illnesses or death, but also to obtain medical benefits or pensions, relief costs.

Fourth, maternity insurance

When the couple gave birth to a child, this time the maternity insurance plays a role. You can receive a maternity allowance and the woman can receive a normal salary during maternity leave. Some people may wonder why men need to buy maternity insurance. First, you can have paternity leave, and second, when your wife does not have maternity insurance or is unemployed, you can also receive maternity benefits.

V. Workers' compensation insurance

When a workplace accident occurs, workers' compensation insurance can protect the injured worker's medical care, basic life, if there is a disability or even death can get disability pension and survivor's pension, to a certain extent, to relieve the workers and their families of the worries, while the compensation for workplace injuries reflects the state and society's respect for the workers and is conducive to improving their motivation to work.

In short, the benefits of buying social security is too much, so we must "should be insured as much as possible"

I'm Dajiang, living in the countryside like to tell the truth Dajiang, I hope that my advice can help you, there is no doubt that you can always talk to me privately oh!

Paying social security certainly has its benefits, many people do not understand the social security, think anyway, can not be used, not as much as more cash to the real, which for the black hearted bosses of course, hands up, because the social security is by the employer and the individual to bear a part of each. For example, pay social security you personally bear 300 yuan, and the unit has to pay 700 yuan, do not pay social security, then 300 yuan to you, on the surface of the wage increase of 300, in fact, the boss saved 700 yuan, you still think it is cost-effective?

Let's look at the benefits of paying social security. The so-called social security is the social five insurance, including pension insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance.

No one wants to retire without financial resources, life is not guaranteed. The role of the pension insurance is to pay 15 years in the retirement can receive a pension, the principle of pension insurance is to pay more, long pay more, that is to say, we pay every extra year, will increase the treatment of one year.

In life, the situation of "returning to poverty due to illness" is not uncommon, and the payment of medical insurance is to be able to reimburse some of the medical expenses in the event of an illness to reduce the pressure of medical treatment. The same payment of a fixed number of years after retirement can enjoy lifelong medical insurance treatment, generally 25 years for men, women 20 years.

Unemployment insurance, workers' compensation insurance and maternity insurance are in a particular situation to give employees allowances, subsidies, to help workers through difficult times, after all, unemployment, work injury is often a more tense economy, there is a sum of money is undoubtedly a blessing in disguise.

In addition to the role of the five insurance itself, the payment of social security has other uses, for example, many cities are now beginning to implement the points of settlement, the purchase of housing need to pay a year of social security, like Beijing, foreigners even have to pay 5 years of social security in order to qualify for the purchase of housing.

So, the role of social security payment is still very big, do not give up the long-term interests for the immediate short-term interests.

In life, we have to learn to plan for the future, buy social security is because social security protects the life of the holder of the following aspects:

First, the household registration, buy a house

In some large cities, do not pay social security, there is no qualification to buy a house, can not fall into the household registration, can not participate in the purchase of cars and so on. The first thing you need to do is to get your hands on a new car, and then you'll be able to get your hands on a new car, and then you'll be able to get a new car, and then you'll be able to get a new car, and then you'll be able to get a new car, and then you'll be able to get a new car.

The second, medical insurance reimbursement

Although not completely share, but can offset some of the costs, and employee health insurance paid for a certain number of years, you can enjoy lifelong medical insurance treatment after retirement. In Beijing, men who have completed 25 years and women who have completed 20 years can enjoy lifelong medical insurance treatment after retirement, and the longer you pay, the more you can enjoy the amount and benefits.

Third, the personal tax reduction

The national personal income tax policy provides that employees can withhold social security before paying taxes. After withholding the part of social security individuals should pay, the individual taxable base will be reduced, and the need to pay personal income tax will be reduced.

The fourth, unemployment insurance, housing provident fund

During the period of unemployment, you can get the funds returned by the state to replace the monthly expenses. Provide help for living in the life.

Fifth, maternity insurance benefits

Women buy social security, can guarantee that women can get all kinds of subsidies during maternity; men buy, his wife give birth to a child medical expenses can be spent by the maternity insurance, just can not enjoy the maternity allowance.

Sixth, to receive old-age pension

China's pension insurance requirements to pay 15 years of social security, before you can retire to receive a pension, and social security contributions years, the more the payment base, the more you will receive the pension. With the increase in years, social security rates are also growing, early payment of social security in the invisible save a large sum of money.

Many people have such an experience that is the social security payment costs of some of the relevant circumstances, we come together to understand, originally five thousand dollars a month, paid social security and personal tax only less than the remaining 4,000, and therefore hate the social security, that there is no use, but just to make their own income less, and some people even take the initiative to ask for the unit do not pay social security for themselves. The first thing you need to do is to get your hands on some of the most popular products and services in the world.

One, social security can pay less tax, first of all for social security we also need to understand the relevant knowledge is that all social security is tax exempt, to an income of 5,000 yuan, personal income tax rate is 15%, if the company can pay the full amount of wages to pay the social security, pay 8% of the pension insurance 400 yuan, 2% of the medical insurance 100 yuan, 0.5% of the unemployment insurance, 25.5, 8% of the housing insurance, 25.5, 0.5% of the unemployment insurance, 25.5, 0.5% of the housing insurance, 25.5, 0.5% of the unemployment insurance, 25.5, 0.5% of the housing insurance. 25.5, 8% housing fund 400 yuan, a *** is 400 + 400 + 100 + 25.5 = 925.5 yuan. Then the tax that can be saved is: 925.5% 15% = $138.83.

Two, in fact, we also need to understand is the social security contribution method of some relevant content, most of the social security are not paid for nothing, and in the end are their own. For the individual, in addition to the procedures trouble a little bit, in the economy there is no loss, not only to pay up the money can be returned, but also have more benefits.

1. Housing Provident Fund

People generally know that it's good to contribute to a provident fund because the money contributed can be taken out after buying a home and taking out a loan, and because the company has to contribute the same amount of provident fund as they do, so if they contribute $400 to their own provident fund, they will be able to get $400 + $400 = $800 to their provident fund. This money can be withdrawn every quarter, and even if you don't buy a house, it can eventually be returned to you in some other way, sooner or later it will be your own.

2. Pension

While you pay 8% for your personal pension, your employer has to pay you 20%. Pension payment to a certain number of years, you can receive a pension after retirement, even if it is not enough years, but also according to how much you pay back to you, there is always nothing to lose.

3. Medical insurance

Medical insurance is so important, but young people don't realize it. Because they'll say, "I don't go to the hospital once in a whole year," and they'll say, "I don't go to the hospital once in a whole year. But everyone gets old, and when they get old, all kinds of problems come up, just look at our parents.

Worse still, too many people are suffering from major illnesses, not to mention cancer, I know of uremia, which costs about 100,000 yuan a year, enough to paralyze an average family. So it can be said that it is better not to be sick, and once you are sick, the uninsured are as helpless as if they have been abandoned by the world.

What's good for us is that health insurance is very important for us, and there is a certain amount of protection for our interests, and health insurance doesn't actually cost us anything. The medical insurance paid in the month will be in the form of a passbook or medical card transferred to their personal accounts, from Beijing, the amount of money returned than their own contribution is a little more. If you have paid for medical insurance, you will not be afraid of serious illnesses, because the state guarantees that you will not have to pay for it again after you retire, and you will also get free medical care.

To put it this way, when you get old and can't work anymore, you'll realize the benefits of having social security.

When I was young, I didn't care, I could earn money, why should I give it to the government again! When I'm old, my kids will take care of me.

When you are old, your body is not working, you don't have an income every month, and you see that other people have pensions, you are stupid!

You will find that you can't open your mouth for money, you have to earn no strength, you have lived your whole life, and you will be disliked in your old age!

With social security is the same as having the most basic protection, which is the government's welfare to us. Don't just think about the present and disregard the future!

I think social security everyone should pay.

First, the risk of the future is not known, there is the state as the support of the social security, the future, no matter how the currency inflation, will certainly be based on the value of the currency at the time, wage increases or payroll.

At the same time, the medical insurance, when you pay a 25 years, you can enjoy lifelong medical insurance services after retirement.

Social security in our country is organized by the government, forced a certain part of the group will be part of their income as social security costs to form a social insurance fund, in the case of meeting certain conditions, the insured person can get a fixed income from the fund or loss of compensation, to protect the survival of the country's residents.

Not every country in the world has the financial strength to allow its people to buy social security, our country's social security fund to the pension for example is in the red, the state has to subsidize a large portion to maintain the pension. At the same time, the reform of the health care system, and the changes in health insurance will also be the role of health insurance for the people more and more to the better aspects of the promotion.

Here's how we analyze the content of social security:

1, pension insurance, pension insurance in the continuous payment of at least 15 years, after the age of retirement, you can receive a basic pension every month. This is to maintain the residents of the bottom line of the pension life, if in the absence of any other source of pension money under the premise, this by the Social Security Pension Fund to you regularly issued by the pension will be the residents of the last line of defense of old age.

2, medical insurance, Gu Ming Si, used to reimburse residents part of the medical expenses, people will inevitably have to have a disease in life, so in the cost of the time of illness, the social security medical insurance can be reimbursed part of the medical costs, to alleviate the problem of residents of the cost of medical expenses (the best still need to be combined with commercial insurance, simply social security medical insurance and can not solve all the health risks brought about by the financial pressures)

3, unemployment insurance, although not much, but in the premise of meeting the unemployment benefits, in the temporary period of no work (2 years) can have a temporary relief of additional sources of money

4, workers' compensation insurance, in the work of occupational injuries, or even death, workers' compensation insurance will be appropriate to pay the benefits.

5, maternity insurance, almost everyone will use, as long as the birth of a child, will be relevant part of the reimbursement and a certain amount of maternity allowance subsidies.

The above is to pay social security can give residents to solve the problem, so be sure to pay as much as possible, the state provides this opportunity and benefits, why not use?

Hello Mr. Luo, why must you pay social security, what are the benefits of paying social security? The question of social security for us personally is certainly beneficial, because when we normally participate in the cumulative number of years of contributions to the pension insurance, we can ultimately get a basic pension benefits, then this pension benefits are linked to the number of years we pay social security.

We all know that we pay pension insurance at least to meet the 15 years of contributions, the future can get the treatment of the pension, but for the people who do not pay social security, or the payment of less than 15 years of the crowd, then even after the legal retirement age, is not allowed to get a basic pension treatment, then if there is no pension treatment, then That is to say, our late retirement life is not the most basic guarantee.

So the most important point is to pay social security is to let us realize the problem of old age, so let us have something to rely on, old age, old age, because we can get a basic pension treatment, and can also enjoy the treatment of retirement health insurance, then this time to go to the hospital to see a doctor can enjoy the reimbursement of health insurance treatment, so that is one of the main reasons that we pay social security. The main reason for this is that we pay social security.