What does it mean to pay more social security?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

A detailed description of social insurance

Social insurance is referred to as social security for short, including five insurances and one fund: pension, medical care, unemployment, work injury, maternity insurance and provident fund.

Endowment insurance can accumulate payment years, that is, intermittent payment is allowed. The minimum payment period of endowment insurance is 180 months, that is, 15 years. You can give more, and then you can get more. Medical insurance needs at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the fee is renewed, it is also possible at ordinary times).

Well, whether it is insurance or return, it is adjusted based on local social wages, which is different every year.

For example, if the level A is 20,000 yuan, then the endowment insurance is 20,000 yuan * 20% = 4,000 yuan/year, which is about 300 yuan every month.

When the company pays social security, the company will bear a large part of the expenses for us, thus reducing its own payment pressure. I suggest you pay the minimum standard first, and then consider commercial insurance as a supplement according to your actual income.

Unemployment insurance. If you lose your job in the future, you can apply for unemployment benefits.

In addition, there are certain conditions for enjoying unemployment benefits:

(1) If the employer and I participate in unemployment insurance as required, and the employer and I have fulfilled the payment obligation for more than one year as required;

(two) in the legal working age, I do not want to interrupt employment;

(three) in accordance with the provisions of the unemployment and job registration. As long as the above conditions are met, you can enjoy unemployment insurance.

There are regulations on the collection of unemployment benefits: those who have paid 1 year for less than two years can receive unemployment benefits for three months, and those who have paid for more than two years but less than three years can receive unemployment benefits for six months, and so on, but the longest period is not more than 24 months, that is, two years.

Industrial injury and maternity insurance, and can apply for subsidies and maternity reimbursement. Provident funds can be withdrawn or you can buy a house.