What is the role of paying social security? What benefits can it bring us?

The advantage of paying social security is that social security can provide us with living security when we are old and weak and unable to work; Provide daily life and life support; In some big cities, social security is related to the qualifications of buying a house, settling down and buying a car. Giving employees social security, withholding social security when paying wages will reduce the payment of personal income tax.

Social insurance is a social security system established by the state through legislation. Its purpose is to enable workers to get material help from society (country) when they lose their ability to work or employment due to old age, illness, disability, death, unemployment and other reasons, and their families lose their livelihood.

People often say that social security for urban and rural residents, social security is: old-age insurance for urban and rural residents, medical insurance for urban residents or new rural cooperative medical care. For enterprise employees, it is five insurances and one gold, including: basic old-age insurance, basic medical insurance, unemployment insurance, maternity insurance, work-related injury insurance and housing accumulation fund. Let me introduce the role of five insurances and one gold in detail:

1, endowment insurance

At present, most elderly people have no source of income after retirement. If they want to protect their basic life or make their life better, it is best to have social security. According to the current policy, as long as your accumulated pension insurance has reached 15 years, you can receive a monthly pension after retirement.

2. Medical insurance

Medical insurance can protect your health. After paying medical insurance, if you usually have a cold and fever, you can use your medical insurance card to go to the pharmacy to buy medicine. If you are hospitalized, you can also be reimbursed by medical insurance for most of the expenses. After medical insurance reimbursement, you can spend less money and reduce the economic burden.

3. Work injury insurance

In case of accident, the local labor and social security administrative department may identify the work-related injury according to law. If it is identified as a work-related injury, the government labor appraisal agency will assess the disability level of the injured workers, and the government social insurance department will make compensation according to the regulations. Only in this way can we better safeguard the legitimate rights and interests of employees themselves.

4. Maternity insurance

For female employees in enterprises, from pregnancy to delivery, physical changes and physical exertion are great, and they need rest and care. Maternity insurance can provide them with pregnancy check-up, medical services, maternity allowance and paid holidays, which ensures the health and basic life of female employees during childbirth and relieves their worries to some extent.

5. Unemployment insurance

Unemployment insurance can provide material help for people who have temporarily interrupted their sources of livelihood due to unemployment and guarantee their basic livelihood. For example, you can apply for unemployment benefits after you lose your job.

6. Housing accumulation fund

Housing provident fund can be used to buy houses, rent houses, decorate houses, build and decorate houses, and pay for major diseases with housing provident fund. Moreover, the loan interest rate of housing provident fund is low, which can alleviate the economic pressure of people who need loans to buy houses to a certain extent.

With the development of the times and social progress, people pay more and more attention to social security. If economic conditions permit, I suggest that you must pay social security.

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So what benefits can paying social security bring us? Let's summarize it for everyone.

First, social security can provide us with living security when we are too old and weak to work.

After paying the old-age insurance 15 years or more and reaching the national legal retirement age, you can apply for retirement and start to receive a monthly pension. You can enjoy a more comfortable old age by paying for basic necessities with a pension.

Second, provide daily life and life security.

Medical insurance, maternity insurance and industrial injury insurance can play a great role in accidents, which can be said to be life support.

Unemployment insurance and housing accumulation fund can provide living security and living assistance when unemployed.

Third, in some big cities, social security is related to the qualifications of buying a house, settling down and buying a car.

For example, if you buy a house in Chengdu, you need enterprise social security for more than 24 months in a row before you can apply for the qualification to buy a house. Applying for settlement of points in Chengdu requires continuous payment of enterprise social security for more than 60 months.

Fourth, employees' social security, which will be deducted first when paying wages, will reduce the payment of personal income tax.

The national individual income tax policy stipulates that employee social security can be withheld and remitted before tax payment. After withholding and remitting the part that social security individuals should pay, the personal tax base will be reduced, and the personal income tax to be paid will also be reduced.

To sum up, social security has an important impact on our lives. When an accident happens and a crisis comes, social security may become our reliance to tide over the difficulties, so we must insist on buying social security.

Buying social security has so many benefits, now you know! So, why don't you buy social security?