What social security do you know is closely related to you?

Social security specifically refers to endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Its importance is self-evident and closely related to everyone's life. It is a welfare policy introduced by the state to provide more protection for the lives of ordinary people. But do you really know everything about social security? Today, I will focus on social security with you.

First, the mode of payment

Social security is generally divided into two parts: employee social security and urban and rural social security. If you work in a company and sign a labor contract, then the company is obliged to pay insurance for you. The retirement age of working female employees is 50 years old, and that of male employees is 60 years old. If your social security payment period is not enough, take the old-age insurance as an example, you need to pay 15 years to receive the pension, but at this time you still need three or four years. At this time, you can apply to the company for a five-year delay in retirement, and get enough years in this way. Those who belong to special types of work, or who are sick or disabled, can enjoy the treatment of retirement when women reach the age of 45 and men reach the age of 50. For the social security of urban and rural residents, both men and women can only enjoy the social security benefits paid in these years after they are 60 years old. But to be clear here, there are only two insurances for residents' social security, medical insurance and endowment insurance. Compared with employee insurance, the coverage is smaller.

Second, transfer in different places.

Nowadays, many people in third-and fourth-tier cities are willing to work in big cities, but the housing prices in first-tier or new first-tier cities are very high, and it is even more difficult to settle in these places. Therefore, many elderly people who have been wandering for many years are willing to go back to their hometown to support their old age or find a new job in their hometown. This involves the transfer of insurance in different places. In fact, it is also very simple to transfer insurance in different places. As long as the insured shows the insurance payment voucher to the social security agency of the new employment place, and then fills in the transfer application form as required, the social security agency will handle the transfer formalities for the insured within the specified time. However, in order to ensure that there is no problem with the transfer process, I suggest you call the local social security bureau in advance to confirm it.

Third, medical insurance reimbursement.

For medical insurance, everyone is most concerned about the amount of reimbursement. In fact, if you want to reimburse more, you should do these things well at ordinary times. First of all, we should choose the right hospital. Let's take Beijing for example. If you are a retired employee, assuming that the medical expenses are between 40,000 yuan and 654.38+10,000 yuan, you can reimburse 99. 1% when you go to a first-class hospital, and 98.5% when you go to a third-class hospital. In other words, the higher the hospital level, the lower the reimbursement rate. Secondly, once you start paying medical insurance, don't stop paying it easily. The longer we participate in medical insurance, the more we can reimburse each year. This is also a special mechanism to encourage everyone to participate in continuous insurance. For example, Shenzhen has been insured for more than 6 years, and the highest reimbursement can be more than 1.6 million.

Finally, try to use the drugs in the medical insurance catalogue. Generally speaking, specific drugs and imported drugs are not covered by medical insurance reimbursement. If you insist on buying these medicines, you need to pay for them at your own expense. In this way, it will cost a lot of money just to buy medicine. Therefore, unless it is a special case, it is recommended that you give priority to buying ordinary drugs.