Is it worth paying social security for a woman at the age of 44?

Not cost-effective, the general retirement age is 55 years old, and the retirement age of special jobs is 45 years old. After retirement, social security needs to pay pension benefits 15 years or more, which is not cost-effective. It is recommended to buy short-term commercial insurance.

Commercial insurance refers to the form of for-profit insurance operated by professional insurance enterprises through the conclusion of insurance contracts.

Commercial insurance relationship is a contractual relationship concluded by the parties voluntarily. The insured pays the insurance premium to the insurance company according to the contract, and the insurance company shall be liable for the property losses caused by the possible accidents agreed in the contract, or the death, disability, illness or reaching the agreed age and time limit of the insured.

Extended data:

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility.

However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

There are two milestones in the history of social security: first, Germany initiated the social security system in Bismarck era; Second, in 1935, the United States established a perfect social security system and institutionalized social security, which had a great impact on the globalization of social security system after World War II.

In the development of social security system, World War II was a watershed.

Generally speaking, the social security system before World War II may vary from country to country in terms of items, coverage and level of security, but the same thing is that social security only ensures that residents have the necessary means of subsistence.

After World War II, social security entered another stage, and welfare countries appeared one after another, with Britain as the pioneer.

In 1970s, the practice of social security system reform appeared in industrial countries.

On September 201August 8 18, Premier Li Keqiang particularly emphasized at the executive meeting that the existing social security collection policy must remain stable according to the determined scheme of "not increasing the burden on enterprises as a whole", and it is absolutely not allowed to be adjusted without authorization before the reform of social security collection institutions is in place.

For the problem of uneven collection of social security fees formed in history, centralized payment is strictly prohibited.