Why should social security follow suit? There are so many "benefits". Is it feasible for me to unite with them?

Social security affiliation is a phenomenon that only appeared in recent ten years. Some people celebrate because it took a big advantage, some people regret because it suffered losses, some people earn profits by operating social security links, and even social security links have formed an industry.

What is social security? What magic does it have to drive some people crazy? Can social security be linked now? What should I do if I want to link?

Today, around these problems, I will talk about the topic of social security.

Social security is a phenomenon, and social security is an act. This phenomenon or behavior is illegal, even illegal.

Describing this phenomenon without emotion is:

The act or phenomenon that the insured person purchases one or more social insurances in the unit where he does not work.

For example, I am a street vendor and want to buy social security, but there is no company, so I found a company and bought the social security under the name of this company.

In addition to the insured, social security is also subordinate to the unit.

For example, I work in a company, but the company that signed the contract is not the name of the company, but the name of a human resources company called XXX.

Let's talk briefly here. Most of this situation is that your company cooperates with labor dispatch companies. In fact, the contract you signed is not with your company, but with the labor dispatch company. The company evaded some responsibilities in this way. If one day you have a labor dispute with your company, your company will produce a series of evidence to prove that you are not from the company, but from a labor dispatch company, and your social security has nothing to do with other companies.

Although the unit ownership is also social security ownership, today's focus is on personal social security ownership, so I won't elaborate on this issue.

This question is simple and complicated.

As simple as a sentence.

Insured people rely on social security to pay social security, pay social security in designated areas or retire early.

More succinctly, the purpose of attaching to social security is to better and fully enjoy the social welfare brought by social security that should not be enjoyed. Including the social benefits brought by social security, such as the qualification to buy a house, the qualification for children to go to school, the qualification to buy a car and shake the number, and so on. Some places stipulate how many years social security must be paid continuously in the local area, and so on. I don't work there, but I want to live there, so I will figure out a way to solve this problem by relying on social security.

A little more complicated, it is necessary to say the history of social security development, and then the history of social security development is different across the country. Everyone faces different problems and different types of insurance, and the problem becomes extremely complicated.

Let me take several regions as examples, and combine the policies of these regions to talk about why some people rely on social security.

The differences of social security policies in different places, as well as the differences of social security policies among people with different identities and situations, have produced the demand for social security ownership.

As we all know, the Social Insurance Law of People's Republic of China (PRC) was officially implemented on July 1 1, which means that the unified social security policy in China is on July 20 1 1. After the unification of social security policies, there are great regional differences. Before the implementation of 20 1 1 social security law, the social insurance policies in all parts of the country were very different.

Example 1

In 2008, I was not registered in Shanghai, but worked in a company in Shanghai. Can I buy social security in Shanghai?

The answer is not necessarily.

Let's look at the regulations in Shanghai at that time.

Since July, 2009, the Shanghai Municipal Bureau of Human Resources and Social Security has implemented the regulations of Shanghai People's Social Development (2009) No.22:

1. Employees who have established labor relations with employers participating in the urban basic old-age insurance in this Municipality, have urban household registration in other provinces and cities, and are under the age of 45 shall participate in the urban basic old-age insurance in this Municipality.

2. Non-urban household registration personnel from other provinces and cities who have established labor relations with employers who participate in the scope of urban basic old-age insurance, who are under the age of 45 and meet one of the following conditions, can participate in the basic old-age insurance for urban workers in this municipality after consultation with employers:

(1) has professional and technical titles.

(2) Having the national professional qualification certificates of technicians and senior technicians.

(three) other professional and technical personnel needed by the unit.

The above two provisions are aimed at urban hukou and rural hukou to participate in social security, in which the word "should" is used in Article 1 and the word "can" is used in Article 2.

The implication is that before the implementation of this regulation, employees with foreign urban hukou in Shanghai are either not allowed to buy social security in Shanghai, or the employer may not allow you to buy social security in Shanghai. After the implementation of this regulation, even if the foreign rural hukou meets 1 of the three conditions, your company can give you social security or not, depending on the company. It is also clear that it is necessary to "negotiate with the employer".

As we all know, it takes 15 years for the old-age insurance to retire, and 20 years, or 25 years, or even 30 years for the medical insurance to go through retirement procedures. I am a rural hukou, and the company won't pay me social security. What should I do if I want to retire at retirement age because of the payment period, especially in Shanghai?

Then you can only find a company in Shanghai to link with social security.

What should I do if I don't have a technical title, a professional qualification certificate and a professional technician, and I can't even find a company in Shanghai according to the regulations?

Then you can only settle for the second best, and go back to your household registration to call the company.

Example 2

Worked in a toy factory in Dongguan 10 for many years and paid social security 10 for many years. Later, I returned to my hometown for some reasons and continued to pay social security in my hometown.

According to the regulations, when you retire, if the social security relationship is registered, you can't retire in Dongguan, and you can only retire when you return to your hometown.

Then I thought about it. I retire in Dongguan, because Dongguan has a high economic level, and I can get a pension of 2,000 yuan every month. If you retire in your hometown, you can only get 1.700 yuan's pension every month. This is not a big loss. What can I do to retire in Dongguan?

This method really has: social security hook. In other words, when I am about to retire, I will stop the social security in my hometown and find a company in Dongguan to pay social security until I retire.

Example 3

My daughter has opened a small shop in Dongguan. I have always been a freelancer to provide for the elderly.

According to local regulations, you can only retire at the age of 55, but I heard that you can retire at the age of 50 when you pay social security in the company. Can I retire at 50 like these people?

There is a way: find a company to call when you are about to retire, and you can retire to your 50 s. It's too profitable to pay less social security for five years and get more pension for five years.

Example 4

Change the insurance this time, let's say unemployment insurance.

I am a street thug. I haven't bought social security, so I want to pay some social security fees for no reason, can I?

There is a way to do this. Call social security.

Invite a company to dinner, spend 5800 yuan, join social security for one year, and then the company will fire you.

According to the regulations:

Before unemployment, if I and the employer have paid for more than one year but less than five years, the longest period of receiving unemployment insurance benefits is twelve months.

So I can pay social security for one year and get unemployment benefits for several months. Isn't that interesting?

There is also a special situation. If you find the company and regret it, the company has only paid for a month, paid hundreds of social security, and wondered when it would be possible to return it. Forget it, don't call, don't pay. Then it caught up with the epidemic in 2020.

The state has formulated a policy that anyone who has paid unemployment insurance and is now unemployed can apply for unemployment benefits for six months.

In other words, I only paid social security for one month, and after paying a few hundred dollars, I can get unemployment benefits for six months in a row, and I can get nearly 1000 every month, which is so profitable.

There are four examples mentioned above. Like this example, it is not an exaggeration. They all use loopholes to violate regulations and illegally take social security funds.

The state is becoming more and more strict in management and control. Now that social security has been networked all over the country, many problems are easy to find out. In case something goes wrong, losing social security fees is a trivial matter. A country without an old man, even if it is identified as a crime, is a major event.

Social security hook may have the following situations.

1, people affiliated with the company take money to run away.

2. There is a dispute between the affiliated company and the insured.

I run a company, and one of my relatives wants to apply for social security in my company. I've been affiliated for two years, but he won't pay it. I've been paying it in advance. I asked this relative for money.

The relative said, "I'm going to report to the Social Security Bureau. I have worked in the company for two years and my salary has not been paid yet. I have a social security payment record as proof. "

How do you feel as the boss of the company?

3. disqualify from treatment

On February 9, 2022, Decree No.48 of Ministry of Human Resources and Social Security was promulgated, and the Measures for Administrative Supervision of Social Insurance Funds were implemented from March 18, 2022, mainly to crack down on the behavior of attaching social security, and to formulate measures for investigating illegal acts according to the Social Insurance Law of People's Republic of China (PRC). In Ministry of Human Resources and Social Security's official explanation, two key contents are colored in special colors, one of which is about social security. It can be seen that the country is determined to control social security chaos.

There are many problems, which were not easy to find before. Now in the face of big data, it is easy to find that this "Measures" gives the social security administrative department great power. It can be said that there is nowhere to hide the chaos that social security can be linked to.

If it is investigated, in addition to administrative responsibility and fines, the most important and crucial thing is to correct this violation. The payment record of your time period will be cancelled, resulting in those who could have retired normally, those who could not retire normally, or those who delayed retirement in order to reach the minimum payment period, and some of them will never retire again. Such a loss is too great.

There will always be loopholes, but I advise you to be kind.

In some cases, it can be handled by normal methods. Why should we rely on such illegal means to deal with it?

Example 5

I am a woman. I paid 10 years of social security when I was working in Shenzhen, and then paid 10 years of social security when I returned to my hometown. I will retire in a few years. Now I want to retire in Shenzhen, and I want to retire at 50. What should I do?

According to Guangdong regulations, the conditions for local retirement are:

Women who have paid social security 10 in Shenzhen for more than 0 years and finally joined the insurance in Shenzhen can apply for retirement in Shenzhen.

Let's take a look at the regulations in Guangdong.

On April 22, 20 10, guangdong provincial department of human resources and social security, it was clearly stated that [20 10]No.10:

To participate in the old-age insurance as an employee, the age conditions for receiving the basic pension shall be defined according to the current post situation. That is, those who work in management positions are over 55 years old, those who work in production positions, engage in urban individual industrial and commercial households or flexible employment, or those who are unemployed are over 50 years old.

The insured who has not participated in the endowment insurance as an employee receives the basic pension at the age of 55. Including urban individual industrial and commercial households and flexible employees who are insured according to their identity.

This document was confirmed on 20 19.

The notice on printing and distributing "guangdong provincial department of human resources and social security Municipality's Measures for Determining the Qualification of Employees Participating in the Basic Old-age Insurance for Enterprise Employees to Receive the Basic Old-age Pension" (Guangdong Social Regulations [20 19] 1No.) makes it clear once again: those who participate in the old-age insurance as employees and have not worked in management technical posts at the age of 50 shall be determined as workers at their present posts and shall be executed at the age of 50.

If this is the case in Shenzhen, it is clear what to do.

In other words, these two documents have solved an important problem.

According to national regulations, female flexible employees retire at the age of 55, and female employees retire at the age of 50. Then, as a flexible employee who has purchased pension insurance, should he retire at the age of 55 or 50? With these two documents, the answer is very clear, so people can retire at the age of 50.

Then I can go to Shenzhen to buy old-age insurance as a flexible employee when I am about to retire, transfer the payment record of my account to Shenzhen, and then apply for retirement when I am old.

Some people say that you are over 40, so you can only open a temporary account in Shenzhen, and eventually you have to transfer back to your household registration. This consideration is superfluous. Because there has been a payment record of a general account in Shenzhen for more than 10 years before, and it has not been transferred before, it is still a general account, and it will not be forcibly transferred back to the household registration place, and finally it can be retired in Shenzhen.

This sixth example is actually two examples, that is, one example solves two problems, that is, the problem of retiring in Shenzhen and the problem of retiring at the age of 50. Of course, in reality, we will encounter many other kinds of problems, some of which cannot be solved by normal methods, so we should make plans as soon as possible and make overall plans, and don't think of some unconventional methods when we are about to retire. Just as we can't always want to rob a bank because we are short of money, we should plan ahead and think of normal ways to make money early.

Social security should be cautious, don't just watch thieves eat meat, don't watch thieves get beaten. Take precautions, social security can't do it.