Why do you say that the sooner social security is paid, the better? Why don't you wait until 15 before you retire?

Why do you say that the sooner social security is paid, the better? Why don't you wait until 15 before you retire?

Many people like to think that when calculating social insurance premiums, the state always takes advantage of individuals when paying social insurance premiums.

For example, some people think that in order to receive a pension, they must buy 15 years old-age insurance.

Isn't this a personal loss, because the country has run out of money, even if they pay it back in advance?

Therefore, the best choice is to pay before retirement 15 years? In fact, this is not necessarily cost-effective.

Isn't it better to pay 15 before retirement and get a pension as it is? According to Article 16 of the Social Insurance Law, those who participated in the basic old-age insurance before reaching the statutory retirement age and paid a total of 15 years have the right to receive the basic old-age pension on a monthly basis.

In other words, if they continue to pay the insurance premium of 15 years, they can guarantee to get a pension when they reach retirement age.

However, the following points should be noted.

First of all, the burden of donating money is heavier.

Many people join social security through their own contributions, and this door is often at a low income level.

If you participate in social insurance yourself, your contribution threshold is multiplied by the contribution rate.

In the case of flexible working hours, the state provides 20% discount to buy insurance.

In order to reduce the burden, most people who implement flexible working system choose the minimum payment standard of 60%.

The minimum payment threshold is actually linked to the average social wage in the previous year.

With the average social wage rising above 10% at the usual rate of 8%, our minimum payment standard and payment amount have also increased in recent years.

Why do many people think that our income growth has not kept up with the growth of the average social wage? Generally speaking, the low growth rate of low-income groups is a social common point and a manifestation of Matthew effect.

For everyone, most people's income is below the average.

Another statistical concept is the median.

Taking 20 19 as an example, the national per capita disposable income is 30,733 yuan, while the median is 26,523 yuan, with a difference of more than 15%. In 20 19, the wage income of China residents increased by 8. 1%, but did your salary increase by 8. 1%? In other words, for low-and middle-income workers, the longer it takes, the less cost-effective.

For some old people, the money paid is wasted (because it can be transferred to the residents' old-age insurance in the urban-rural fringe), because the premium will not be paid in a few years.

And it is very uneconomical, because they can't get a pension from the employee pension insurance.

Second, with the growth of age, the income pressure will become greater and greater.

When you are too old to work, can you get the same income as now? Most people still focus on work. If they don't work, they won't get paid.

We ordinary people, more than 40 women and more than 50 men, are called' 4050 workers' and have difficulties.

Without good skills or knowledge, there are few ways to earn money, and income begins to decline.

If this situation goes wrong, can they afford social insurance?

As people get older, their expenses may increase because their children get married or receive higher education, or they may need to support their parents.

Third, it may become impossible to work.

As you get older, the chances of getting sick or having an accident will increase.

This is why with the growth of age, commercial medical insurance pays more and more.

If I become disabled and lose my income, how can I pay the premium? But if you have 15 years old-age insurance when you are young, the situation is different.

According to the retirement regulations, those who lose their ability to work due to illness, according to the confirmation of the labor ability department, the retirement age is actually 50 years for men and 45 years for women.

This guaranteed age is 10 years, five years earlier than we expected.

Even if you have not reached the above-mentioned statutory retirement age, you can still receive sickness allowance and apply for retirement if you have paid 15 pension.

Disability allowance is a new form of old-age security. After pension payment 15 years, you can receive disability allowance regularly every month.

You can also continue to pay and retire at 50 or 45.

Retirement procedures are the same as disability allowance, but its calculation method is the same as pension, which is a special retirement method.

You can't continue to pay pensions, and you don't have to go through retirement procedures again.

In the future, all retirement procedures will be transformed into sickness benefit plans.

Fourth, social insurance includes medical insurance, and the retirement age of medical insurance is not 15.

Many people don't understand or think that all social insurance is 15 years.

In fact, social security includes four insurance complexes: endowment insurance, medical insurance, industrial injury insurance and employment insurance. There was maternity insurance before, and it was merged into medical insurance at the end of 20 19.

At present, the overall level of medical insurance is relatively low, generally at the county level, and few areas have achieved county-level overall planning.

Even the endowment insurance only requires county-level integration before the end of 2020, and the national integration is still far away.

The retirement age of medical insurance varies from place to place, and there are also differences between men and women.

For example, in Guangzhou and Shanghai, the retirement payment period is 15 years; Hangzhou is 20 years; Qingdao, Beijing and Yantai, female for 20 years and male for 25 years; Chongqing and Nanchang are women for 25 years and men for 30 years.