Pay five risks at work or not?

Just pay social security at work. In work and life, when you get sick or have an accident, you will inevitably need money. Having insurance can lighten the burden.

The role of social security:

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and if you deposit it in the bank, there will be interest tax.

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit.

6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.

7. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit.

8. Paying the housing provident fund is equivalent to the unit depositing a tax-free income in proportion to you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.

Is social security a national policy insurance?

Social security is a national policy insurance, which is enforced by the state. It has certain benefits, including state subsidies. Especially in the aspect of security after old age, commercial insurance is incomparable. For example, there is no insurance company to provide medical expenses for diseases (except major diseases) after the age of 65, and social security medical care can. Commercial insurance is voluntary and for-profit, which is a useful supplement to the national social security and can effectively supplement the shortage of social security. For example, accidental disability insurance supplements the location restrictions of social security work-related injuries; Accidental injury medical insurance supplements social medical insurance, regardless of general outpatient and emergency; The limit of critical illness insurance to supplement the amount of critical illness in social medical insurance; The choice of critical illness life insurance (because critical illness insurance itself has the function of death protection of life insurance) or other life insurance is to make up for the defects of social endowment insurance: if you die prematurely (under age), social endowment insurance only returns the amount of your personal account (uneconomical). In this way, if you buy a commercial whole life insurance, you can get a lot of compensation from commercial life insurance if something goes wrong. If you live a long and healthy life, you can get a lot of pensions, so you are a winner anyway. National social security and commercial insurance have their own advantages and disadvantages and cannot completely replace each other. If economic conditions permit, the combination of the two is the best, because they can complement each other and enrich each other. Social security is the most basic guarantee, and the degree of protection is low, which can not completely solve the future pension and medical problems.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.