Why is social security a pit? Which is better, social security or five insurances and one gold?

Why is social security a pit? Which is better, social security or five insurances and one gold?

Many people will find that the employee benefits provided by some work units are "five insurances and one gold", while the benefits provided by some units are social security. Many people don't distinguish social security from five insurances and one gold.

So which is better, social security or five insurances and one gold? Why do friends who pay social security say that social security is a pit?

Social security is actually the abbreviation of social insurance. Social security includes pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Social security is a social security system, which is used to protect workers' health, pension and unemployment.

For units and employees, social security is mandatory. Units and individuals must pay social security according to law. Social insurance premiums are paid jointly by units and individuals. The unit pays most of the premium, and the individual only needs to pay a small part.

Five insurances and one gold refer to social security, and one gold refers to housing accumulation fund, which is a long-term housing deposit paid by both units and employees. Housing provident fund is a social security system to solve the housing problem of employees, and the proportion of individual contributions to housing provident fund is the same as that of unit contributions.

Generally speaking, five insurances and one gold not only include social security, but also enjoy all the guarantees provided by social security. There is also a housing provident fund. Workers who pay the housing provident fund will use the provident fund loan to buy a house, and the loan interest rate will be much lower.

Some friends say that social security is a pit, mainly for the following reasons:

1, not all diseases can enjoy medical insurance. Medical insurance will have the classification of drugs, and some diseases will use imported drugs and class C drugs, which are not within the scope of medical reimbursement;

2, the pension insurance payment period is long, and it is not necessarily more expensive. After retirement, the pension is paid monthly. Simply put, staying for a long time is cost-effective;

Not everyone can get unemployment insurance. Only the unemployed who have paid 1 year and do not want to leave their jobs can receive unemployment insurance benefits. The amount of unemployment insurance money is not high, and the period of receiving it is not long.