Is it better for individuals to pay social security to buy or not to buy?

Buy social security. Whether rural residents, urban residents or urban workers, there is no doubt that social security must be bought. Social insurance is an important part of the social security system and occupies a core position in the whole social security system. And it is mandatory to buy, especially for urban workers. It is illegal for a company not to pay social security. For rural residents, the village Committee has the obligation to co-ordinate social security and must pay it. Although flexible employees are not forced to pay fees, there are many benefits of paying fees. Social security mainly includes medical insurance, maternity insurance, old-age insurance, unemployment insurance and industrial injury insurance, all of which have the value of existence, and the most important ones are medical insurance and old-age insurance. Medical insurance can be reimbursed when you are sick, and old-age retirement insurance will pay pensions every month according to regulations. So social security must be bought, and it must be bought.

Benefits of purchasing social security:

1, usually buy medicine or see a doctor, you can enjoy medical reimbursement, and the general hospitalization rate can reach 70%-80%, which can reduce everyone's financial burden of medical treatment; Of course, there is also a condition for social security, that is, medical insurance must be paid for more than 20 years in order to enjoy permanent medical insurance benefits. In other words, if the payment is stopped halfway, the medical insurance benefits will be suspended directly and cannot be used.

The most important point is that the most useful of the five insurances are endowment insurance and medical insurance, while others are relatively less important. Pension has a basic fixed number of years, that is, 15 years. As long as the payment reaches 15 years, you can enjoy the treatment of receiving retirement pension. On the other hand, the amount of pension depends on the payment period and base.

3. Social insurance allows employees to enjoy reimbursement of maternity medical expenses during childbirth, and can also receive maternity allowance; Through the establishment of maternity insurance system, the state provides maternity allowance, medical service and maternity leave treatment for women who have given birth to ensure their health and create good conditions for the feeding and growth of babies.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.