What are the five risks?

What is the function of the five insurances?

These five social security risks are independent and have their unique functions.

Basic old-age insurance,

It is related to the pension benefits after retirement. When you reach the statutory retirement age, you can enjoy the basic pension on a monthly basis by paying 15. Pensions are linked to the average social wage, and adjusted year by year in combination with price growth and wage changes after retirement. There is national compulsory guarantee, and the cost performance is very high.

Basic medical insurance,

It is related to basic medical security. From outpatient treatment to hospitalization surgery, you can enjoy the corresponding medical insurance reimbursement treatment according to relevant policies. Basic medical insurance, in order to concentrate on rescuing serious illness, medical insurance deductible line and serious illness medical insurance system have been set up. In addition, the basic medical insurance has been extended to long-term care insurance.

Industrial injury insurance.

If it is a work-related injury, as long as it is recognized as a work-related injury, you can enjoy various treatments of the work-related injury insurance fund. For employees, the most important protection is work-related death or disability. If a person dies at work, he can enjoy funeral expenses, one-time work-related death subsidy and pension for supporting relatives. This is the most important guarantee for work, and individuals do not need to bear the cost.

Unemployment insurance.

Unemployment insurance has been paid for more than one year, and employees who are unwilling to lose their jobs and are willing to apply for jobs can enjoy unemployment relief, and the state can also pay basic medical insurance.

Maternity insurance.

Female fertility matters can enjoy maternity reimbursement and maternity allowance. Individuals do not need to pay fees. Because it has little influence on gay men, it has also been criticized. It will be merged into medical insurance, and the five social insurance will be completely changed into four social insurance. Even the future may become three risks.

Non-social security benefits.

Can I still enjoy non-social security benefits after paying social security? Yes, there really is. Due to the problem of our household registration system, many people need to provide proof of working in the local area when buying a car, buying a house and sending their children to school. Social security payment is one of the most important proofs. Even the point settlement policy regards social security payment as one of the most important factors.

To settle down in Beijing, you need to participate in social security in the local area for more than 7 years, and the payment time should not exceed 6 months. It takes five years to buy a house and five years to buy a car in Beijing. Qingdao's qualification to buy a house, children attending school, non-local hukou, need to pay the local insurance 1 year or more.

Therefore, social security payment is very important.

Can I not pay social security?

According to the law, some special groups are indeed free to choose to pay social security.

The Labor Law stipulates that enterprises and employees must participate in social insurance and share social insurance premiums in accordance with the proportion of social insurance contributions stipulated by the state.

The Social Insurance Law stipulates that employees with flexible employment, individual industrial and commercial households without employees, and workers whose employers have not participated in social security can participate in basic old-age insurance and medical insurance, and the insurance expenses shall be borne by individuals.

If the employer does not pay social security to employees, employees can defend their rights according to law and ask the enterprise to pay back. The enterprise will also bear the late payment fee of 5/ 10000 per day from the date of default.

According to the Labor Contract Law, if the employer fails to pay social security for employees, the employees may propose to terminate the labor contract, and the employer shall also pay economic compensation.

Therefore, the risk of not paying social security for the unit is actually relatively large. With the progress of society, the behavior of social security payment is becoming more and more strict, and the previous social security arrears are likely to be recovered. If you are employed in an enterprise, it is not recommended not to pay social security.