Is five insurances and one gold really that important? Why do many people prefer to do hourly work rather than five insurances and one gold?

Needless to say, this phenomenon is really common, especially for young temporary workers. To tell the truth, it is really short-sighted, but you can't blame them! It is caused by many reasons! But five insurances and one gold are really important, especially five insurances. How important is five insurances and one gold? Since it is important, why don't these young people want five insurances and one gold?

What are the benefits of five insurances and one gold? I. Social security

In fact, at least a little online check will know the importance of social security! However, many young people's understanding of social security only stays on that little pension, thinking that the monthly pension is so small that it is better to save money for the elderly, but this is not the case!

1, it goes without saying that there is a pension after retirement. More pay for more work, how much subsidy is, and the most important thing is to fight inflation! For example, now you save 1000 yuan every month for retirement. At that age, your 1000 yuan is estimated to be worthless. As for the pension, with the rise of prices and consumption levels, it will increase every year, and there will be subsidies, which can't be compared with saving money by yourself, especially front-line workers and factory temporary workers.

2. If the pensioner dies later, the family members can also receive funeral subsidies, pensions and social security personal account balances. This is extra, and you don't get this treatment if you save money yourself.

3. Daily medical reimbursement. Needless to say, no one can guarantee not to get sick, but it costs a lot of money to go to the hospital. It would be different if there was medical insurance! It also includes maternity insurance for female employees.

4. If you are suddenly dismissed or unemployed in the future, you can also receive unemployment insurance.

5. If you want to get a loan with social security, the amount is higher and the loan is faster under the same conditions, which is a plus item in the credit information system.

Second, the housing accumulation fund.

Many people say, I don't buy a house anyway, so why pay this! In fact, this is the stupidest idea!

1, housing provident fund, how much you pay, the company will give you extra. For example, if you personally undertake 500 yuan and the company gives you 500 yuan, there is 1 000 yuan in your account.

2. Even if you don't buy a house, you can get 60% from renting a house, which means you can get 600 yuan, so you can not only get your own money, but also get an extra 100 yuan. Isn't that great?

This is different from social security. If the housing provident fund is cancelled in the future, all the money inside can be taken out, including the company's part. At least that's the current policy.

4. Housing accumulation fund can also be used for medical reimbursement. Many cities in this city have this policy, but most people may not know it.

6. Having housing accumulation fund has the same advantages in loan area under the same conditions.

Why do young people prefer hourly jobs to five insurances and one gold? First, young people have no pressure and high consumption. Because parents are still young, they can give financial support without the pressure of their children. In addition, they are healthy and may not go to the hospital once a year. Therefore, they do not feel the benefits of social security. Instead, I think it is not cost-effective to deduct hundreds of dollars a month to pay social security, and the money is not enough every month. It is better to take a drink and sing a K in your own hand.

Second, eating without culture is a loss! There is no other meaning in saying this, just talking about it. Many of these people graduated from junior high school, so they don't think comprehensively and are easily guided by some news on the Internet. For example, if social security is lost, isn't it sweet to save that money every month to support yourself? In case of death in the future, isn't social security paid in vain? In short, all kinds of mixed news make these people unable to distinguish. Plus, seeing the old people in their hometown pay the old-age insurance in 200 yuan every year, and only get a pension of more than 80 yuan after retirement, it is even more determined. They never understand the real function and principle of social security.

Here, limited by culture, it affects their vision and pattern, and they may only see things in the last two to three years! They never thought about what to do if their parents are unable to support them one day, and what to do if their parents are ill and hospitalized; They never thought about what to do when they get married and have children, what to do when they encounter unexpected things, and what to do when they are old and have physical problems; They didn't even think about the coming family, children's future expenses, marriage and so on. But at present, it's just for your own comfort!

Perhaps, people will not know the importance until they reach a certain age and a certain occasion! Some front-line employees over the age of 40 I have contacted are also young people. I used to think that I was smart and didn't pay social security, but now I'm beginning to regret it, asking me how to get the company to pay social security, and so on.

Here is a true story to illustrate this truth. I used to have a colleague's father. When I was in my fifties, I often coughed and wheezed because of smoking and drinking. Both his mother and he advised him to give up smoking, otherwise he wouldn't live long. As a result, his father said, "Don't treat me when I am sick. If I die, I will die. Bury me, and I won't bother you! " After coughing and bleeding, he still doesn't care Later, I took him to the hospital for an examination. In the middle and advanced stage of lung cancer, chemotherapy and radiotherapy are needed, and it costs 30 thousand yuan at a time. After treatment, it is estimated that you need100-200,000, saying that you may live for one year at most. At this time, I said with tears: "You must find a way to let me do chemotherapy. I don't want to die yet! " "And immediately quit smoking and drinking. Finally, his family spent hundreds of thousands of dollars to operate on him, but he died a year and a half later!

In fact, the reason is the same, and so is paying social security. Young people don't care at that age!

But now is the Internet age. Although our culture is not high, we must learn more about this knowledge, make preparations in advance while we are young, and don't regret it then!

Just like you earn 6000 a month without insurance or 1 earn 4000 a month with insurance, which is more cost-effective for you when you are old?

If you choose a net income of 6,000 yuan a month, most of them are young people who have never been beaten by life. 10 years ago, when I first got a job, I chose this road. Not only did I choose this road, but 90% of my peers are willing to choose this road. Why? What a simple thing for Yuan You to get 6000. It's like buying a roast duck on the roadside, and I'll give you a whole one for 20 yuan. And you go to the restaurant and give you half a 200 yuan. Which one do you choose? For the social people who are crushed by life, when you have experienced all kinds of life, you are not only strong and tough inside, but also pay more attention to quality rather than quantity in the choice of goods. You are willing to spend more money, to put it bluntly, in exchange for better quality goods, thus improving your quality of life. Because at this time you have wealth, confidence and no shortage of money. For young people who have just entered the society and just asked their parents for pocket money, their needs are different. Some of them want to save their money, while others want to spend all their monthly labor remuneration on urgent needs. For them, the money they get is the realization of labor. Instead of five insurances and one gold. In other words, five insurances and one gold are useless for migrant workers who have just entered the workplace. In their early twenties, they can eat and sleep, and getting sick is just a cold and fever for them. Even if you have a medical insurance card in your hand, you won't go to the hospital to have an infusion bag or bottle because you feel risky. For 30+ or even 40+ social people, there are old people and young people, and they will have regular physical examinations every year. They are deeply afraid that there is something wrong with their health, which will not only drag down the economic pillar of their families, but also drag down their wives, children and parents. Moreover, in the eyes of people in the 30+ workplace, employers are willing to fight for an interview opportunity as long as they pay five insurances and one gold. Because people grow up to a certain stage, they must buy a house, and the interest of provident fund loans is lower than that of commercial loans, so that you think that provident fund is simply an angel taking care of you as a house slave. Besides, people in their early twenties can't afford a house anyway. For something that can't be reached, it is equivalent to drawing a cake. I saw it, but it doesn't mean I'm greedy.

Is it really important to have five insurances and one gold? For a person who has experienced it, I may definitely say that it is very important and it is a guarantee for a person's future life.

Your colleague doesn't want to become full-time, saying that if he becomes full-time, he will have to pay insurance and his salary will be less. There are also young people who prefer hourly jobs to formal jobs. If you ask me, they are really short-sighted.

Why do you say that?

Because on the surface, to become a regular worker, you have to take five insurances and one gold, and his income will change a little, but this is a reserve for the future. It is precisely because you have taken five insurances and one gold now that you have a fixed income when you reach retirement age, and you can guarantee your life when you are not working. Just like now, I'm retired and don't have to go to work. I still have more than 4 thousand pension a month, which is enough for my normal life. If you don't take out five insurances and one gold, you will be too old to work in the future, and it will really be confiscated. So what would you do?

One more thing, there is no medical insurance without five insurances and one gold. If you are ill, you must go and see for yourself. If you are unfortunately seriously ill, it may not be enough to take all your wealth away. So what would you do?

One more thing to note is that you have five insurances and one gold, of which the old-age insurance and medical insurance are both large units and small individuals, and the housing provident fund units and individuals are equally divided. So anyway, it's a good deal for you to get five insurances and one gold. Young people must not be blinded by immediate interests and make choices that are very unfavorable to them, because your choices will not only affect you, but also your family.

Therefore, when young people do anything, they should not only look at the immediate interests, but also make long-term plans and make some preparations for their future.

Five insurances and one gold are really important. Although the welfare of workers in today's society is basically a mess, which is the bottom standard of social development, this kind of welfare is very low. If not, the future is really not good. If you don't have the ability to manage money or certain assets, in fact, five insurances and one gold are still very important for an ordinary person, at least for your future.

Now many people think clearly. On the one hand, it is the aging population that we often mention, on the other hand, it sometimes delays retirement. Some workers who have reached a certain age think that their health is not good either. On the surface, they are delaying retirement, but for themselves, they are delaying the payment of pensions. They used to be 60, but they turned out to be 65. So what am I going to do in these five years? I was doing odd jobs until I was 60. As a result, you gave me my money back, and it took five years to give it to me. For these people, they don't want to pay any more. I'd rather have the odd job money entirely for myself and be at my disposal. At least I won't suffer.

In fact, Five Risks attaches great importance to the middle class. The rich and the elite don't look at this at all, because they have realized the freedom of wealth and solved the problem of providing for the aged in the future through other means. How many houses, how many companies, how many stocks. For people at the bottom, although five insurances and one gold are very important to them, they may not be in the mood, and the latter may not be capable. What many people may not know is that there are many people in this society who are very contradictory about the payment of five insurances and one gold. Because you earn very little money, you have to pay five insurances and one gold. In fact, my life will be affected by this little money. This is not an example I made up in a day.

At the same time, there are still some young people who have no real skills and can't really support themselves in society. For them, the current money is the most important. In the future, they can't even think about it, not to mention pension money, that is, getting married, talking about girlfriends and eating big meals. Of course, if you can earn some money yourself, you must satisfy your current desire for life.

At present, the problem of social hidden unemployment is very serious. Although our registered unemployment rate is lower than that of the United States on the surface, the quality and quantity of people actually employed are not high. In real life, in order to make ends meet, a considerable number of people sacrificed five insurances and one gold, such as pensions. Because in the eyes of many people, there is no way. At the same time, in the eyes of these people, as long as they can pay a minimum amount, they can receive a minimum standard pension in their later years, and it is not easy to live.

But now the environment is successfully lifted out of poverty, and you simply can't hear the voices of these people. It can be said that in the eyes of some people, these people are the actors crying poor there. For others, these people are not bad, not diligent and deserve to be poor! Or for those people, these people are just a burden that should be abandoned by social development, and they can't get on the table anyway. In the end, just two words, mutual harm?

Don't think that hourly workers are all college students or part-time workers now. In fact, some people do part-time jobs all the year round. It's not that they don't want to do long-term jobs, but that they can't find suitable ones many times. For them, the unit salary of hourly workers is actually higher than that of long-term workers. If he can find three hourly workers, then his income is actually ok, but one problem is uncertainty.

No one can find a stable part-time job as soon as they start, and then do it every day. Moreover, the life of the people at the bottom is very difficult. I even saw an extreme example. I can apply for this part-time job, and I have money to buy food today. Otherwise, he wouldn't be alive today. He is still a family man, not alone. Unfortunately, this society will not speak for these people, they will always disappear.

Personal ideas are different. Retired in his sixties. It is the last word to live until then, and you still receive a pension.

There are many "dispatched employees" in the company where Yun Yunjun works who are unwilling to sign formal labor contracts with the company and become "regular employees".

Theoretically, the remuneration of dispatched employees should be the same as that of regular employees, but in order to profit from it or to cut labor costs, dispatching companies generally pay these dispatched employees five insurances and one gold according to the lowest level.

For the company, recruiting and dispatching employees saves time and effort, and it is not necessary to recruit people everywhere. The cost of employing people is lower than that of regular employees.

It is puzzling: since employees themselves know that five insurances and one gold will be discounted as dispatched employees or temporary workers, why are they still unwilling to become regular employees?

1, the money will be reduced.

The general company's five insurances and one gold payment account for about 20% of the individual's monthly salary.

(1) Endowment insurance: 8% for individuals and 0/9% for units;

(2) Medical insurance: 2% for individuals and 6% for units;

(3) Work-related injury insurance: the employer pays the fee, and the work-related injury insurance rate is divided into 8 grades of 0.6%-3.6% * *, and the social security agency will determine the rate according to the characteristics of the industry to which the unit belongs;

(4) Maternity insurance: the rate of maternity insurance is 0.3%;

(5) Unemployment insurance: 0.4% for individuals and 0.6% for units;

(6) Provident fund: 8% for individuals and 8% for units; (payment range: 5% ~ 12%)

For example, the company gave Lao Wang 5000 yuan this month. After deducting about 20% of the five insurances and one gold, the actual disposable income of old Wang Can is only 4,000 yuan, which is less than 1 10,000 yuan, and less than10.2 million yuan a year.

Although five insurances and one gold are benefits, "far water can't put out a near fire". At present, life and economic pressure are great. Only when you can get cash can you pay tuition for your children and buy medicine for your parents. Under such circumstances, many people will be shaken: after all, the money they can get now is much more reliable than the guarantee full of uncertainty in the future.

2. Delayed retirement

When it comes to five insurances and one gold, we have to mention the topic of "delayed retirement". Pensions with five insurances and one gold account for the bulk, and can only be collected after retirement. If you don't buy a house or decorate it, the provident fund in your account can only be withdrawn after retirement or resignation.

At present, it has been decided to postpone retirement. In the near future, both men and women will retire at the age of 65, which means that the years of paying pensions and provident funds will be significantly increased, and the years of receiving them will also be postponed (for pensions, pay more and get less).

For the post-90s generation in the United States, it is hard to say whether the delayed retirement will be postponed to 70 years after another 20 years due to the remarkable acceleration of the aging process. Now the average life expectancy in our country is almost 77 years old, but of course a large part will not reach the average level. Although children can inherit, their enthusiasm will naturally decrease.

The most important thing is that we don't know whether the policy situation will change in the next two or three decades, and we are worried and hesitant about the huge uncertainty in the future.

3. Five insurances and one gold are unfriendly to "flexible employees"

At present, five insurances and one fund have not been connected to the whole country, and many job seekers frequently change jobs in different cities. Often, five insurances and one gold are paid in one place for only a few months or a year or two, and the social security transfer process is complicated. Moreover, in many places, the old-age insurance must be paid for 15 years to enjoy retirement benefits.

For some job seekers, if the payment is interrupted for too long, the treatment they enjoy will be "discounted", and the actual calculation is still not cost-effective, so they don't want to pay.

To sum up, Yun Yunjun thinks it is ok to pay five insurances and one gold conditionally, and medical insurance and provident fund are still very useful.

But for some people, especially migrant workers who frequently change jobs, it is really cost-effective to pay five insurances and one gold. You need to weigh the pros and cons yourself.

Hello, everyone, I am # Live an Extraordinary Self #, and I am honored to answer questions.

Five insurances and one gold are social compulsory benefits for employees, and employers should pay for them. But in real life, many enterprises do not pay five insurances and one gold for their employees. One reason is that enterprises do not pay employees in order to save costs. Another reason is that enterprises are willing to pay five insurances and one gold for employees, but employees are unwilling to pay. Why? Is five insurances and one gold really that important?

First, the importance of five insurances and one gold.

Five insurances and one gold include endowment insurance, medical insurance, maternity insurance, unemployment insurance, industrial injury insurance and housing accumulation fund.

1, endowment insurance. The individual pays part into the individual account, and the enterprise pays part into the overall account. Accumulated payment 15 years, you can get a pension after retirement, which can basically meet the needs of daily life without running around for life.

2. Medical insurance. Individuals pay into personal accounts, enterprises pay into personal accounts, and most of them go into overall accounts. Employees can use the money in their personal accounts to see doctors and buy medicines. In some places, the balance of personal accounts can be withdrawn, such as Beijing, and most of the money for going to the hospital can be reimbursed.

If you work in a first-and second-tier city without medical insurance, a small cold will cost a lot of money. I work in a first-tier city. Basically, every time I have a minor illness, I go to the top three hospitals to see a doctor. Basically, the cost is thousands of dollars. If there is no medical insurance, it can be said that it is not a small expense.

3. Maternity insurance. Individuals don't have to pay, but enterprises pay, which is more useful for female employees. If they have children, they can receive maternity allowance.

4. Unemployment insurance. Individuals and enterprises each pay part, and they can receive unemployment benefits if they are unemployed.

5. Work injury insurance. All paid by the enterprise. If you are injured at work or have other circumstances that are recognized as work-related injuries, you can receive work-related injury insurance benefits from the work-related injury insurance fund.

6. Housing accumulation fund. Individuals and enterprises each pay a part, and both of them enter the employee's personal account. Employees can use provident fund loans to buy houses, and the interest rate is much lower than that of commercial loans. In addition, employees can also withdraw the provident fund when renting, renovating or expanding their houses.

Second, the reasons why employees are unwilling to pay five insurances and one gold.

As we all know, in the long run, paying five insurances and one gold is obviously better than not paying, but don't persuade others to be kind and don't suffer for yourself. At present, employees are reluctant to pay five insurances and one gold, mainly to get more cash. Sometimes the trade union will discuss with the enterprise and give a part of the five insurances and one gold paid by the enterprise to the employees by way of discount, so that the employees can get more money every month.

Workers all know that it is better to pay five insurances and one gold, but at this stage, the pressure is too great, there are too many places that need money, and they are still young. Five insurances and one gold are of little use. Get through this difficult period first, and then pay five insurances and one gold.

Summary: From an ordinary person's point of view, paying five insurances and one gold is definitely better than not paying, but some people are unwilling to pay five insurances and one gold. On the one hand, they are relatively young and healthy, and five insurances and one gold are of little use. On the other hand, the deeper reason is that they are short of money and have many more urgent things to do, so they can only choose to give up five insurances and one gold temporarily!

Although five insurances and one gold are very important. But many people are willing to give up. Why? It is not a stumbling block to laws and regulations. If the five insurances and one gold are unified throughout the country, instead of different standards and norms in different places. I think everyone is willing to handle it.

As far as your housing provident fund is concerned. Although you can use provident fund loans. But local policies are different. Banking supervision varies. Even developers who sell houses don't like customers who hold provident fund.

And old-age insurance. It is the same. I used to work in Shenzhen for three years. Transfer to social security. That will be a month later. Go deal with it. I remember, they all went back to their hometown. Who will return to Shenzhen in a month?

Many people are willing to do part-time jobs instead of formal jobs with five insurances and one gold, in fact, in order to save more money, rather than being short-sighted.

The importance of five insurances and one gold is self-evident. Everyone knows that social security can be reimbursed for medical treatment, and social security cards can also be used to buy medicines at pharmacies, not to mention the provident fund. When buying a house, using provident fund loans can save a lot of interest.

But many people don't care about this, and they don't care about this. For example, there are some friends in my hometown who have been working everywhere since they graduated from junior high school. Beijing, Shanghai, Shenzhen and almost every city. Decoration workers, porters, couriers, and food delivery workers have done it in every industry.

What they want is to earn more money, save more money, buy more things for their wives and children and build a good house in their hometown. They have never thought about or planned to buy a house in the city. For them, the provident fund is useless.

Secondly, it's not that they don't know the benefits of social security, but they don't want to pay hundreds of dollars of social security at their own expense every month. You should know that rural hukou can sell the insurance of the new rural cooperative medical system, and the insurance of the new rural cooperative medical system is also a good guarantee for them, only more than 200 yuan a year.

Finally, hourly workers are paid more. Compared with regular workers, hourly workers are actually very tired. If they are not particularly busy and need manpower, no company will be willing to recruit hourly workers, but the tired harvest is that the hourly unit price is much higher, and one person can do several hourly jobs.

Conclusion: What suits you is the best. Five insurances and one gold are very important, but people who prefer to work part-time rather than five insurances and one gold are not short-sighted. They just want to earn more money and save more money.

Hello, I'm Mr. Orange, and I'm talking to you about life.

Is it important to have five insurances and one gold? I think the first thing to understand is what five insurances and one gold are.

"Five insurances and one gold" is simply social insurance and provident fund.

Social insurance includes five insurances, namely, endowment insurance, medical insurance and unemployment insurance, industrial injury insurance and maternity insurance.

Pay special attention to the premiums paid by enterprises and individuals for endowment insurance, medical insurance and unemployment insurance;

Industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay fees. Another thing to note is that "five risks" are legal, but "one gold" is not.

Except for a gold medal,

Paying five insurances is actually a great benefit for employees themselves. Pension, medical care, career, work injury and maternity are all closely related to themselves and their lives.

Many people you said don't want five insurances and one gold, but are willing to do hourly work. In fact, I think their ideas are nothing more than two aspects. On the one hand, they don't know the benefits of the five insurances, on the other hand, they feel that they need more money and need it urgently in a short time.

Five insurances and one gold are the most basic welfare at work, especially the five insurances.

The most basic, I personally think, is the most important,

The above are only personal opinions, thank you for reading.