Why do pension and health insurance contribution levels, keep growing every year?

Why does the level of pension and health insurance contributions, keep growing every year?

Why is the level of pension and health insurance contributions increasing every year? Pension insurance and medical insurance in the process of annual contributions, absolutely is constantly growing, this is because the number of pension insurance contributions and medical insurance contribution base, it depends on the city of the previous year's average social wage to determine the average social wage in our city, after the average social wage changes, the number of social security contributions will gradually produce changes, in fact, produces a change, I think this change is what we often call growth.

Each year the average social wage in the city. Roughly based on 5% to 10% or so of the percentage in the growth, that is, your last year's contribution level may be 6000 yuan, but this year there is an increase in the premise will become 6500 yuan of the number of social security contributions, so that every year we will feel the health insurance and pension insurance, and constantly in the growth of the company, whether it is the company here employees also strike or flexible labor work of the people also strike, can clearly feel the social security of the people. It is very obvious that the cost of social security continues to rise.

As an employee, it's a person's social security contributions are borne by myself and the unit to pay, but after all, I also need to deduct a part of the cost, it should be the total amount of 1/3 of the total contribution, as you deduct 500 yuan from your salary every month last year, but this year, because of personal social security contributions to the base of the promotion, so that the cost of deducting every month is far more than 500 yuan, it is very likely to become 600 yuan. It is possible that it will become 600 yuan, so I can also clearly feel the growth of pension and medical insurance contributions, and even for an employee, it is not only the growth of pension and medical insurance, for the workers' compensation insurance, unemployment insurance and maternity insurance, these three types of personal social security are all growing at the same time.

And as a flexible worker individual, personal social security contributions to the growth is very significant, because the flexible worker himself is fully responsible for each of the contribution rate and contribution amount, a year to bear the contribution if the minimum level. Payment of pension insurance and medical insurance is basically to be greater than 10,000 yuan above the level, and each year if the assumption of 5% growth, so that 5% of 10,000 yuan is 500 yuan, so it is clear that the cost he bears is obvious, but as a freelancer, the economic development of the pressure is very large, so that each increase in the payment of a penny for them is also a very sensitive issue.

But we need to note here is that although the number of individual social security contributions continue to grow, and at the same time for the individual, our own average contribution index value including the account balance into the personal account will also increase, which means that you will experience the future of the pension will gradually rise due to the increase in the amount of your pension insurance contributions, there is no doubt that this is the This is the same as you retire this year and 5 years later, the level of the original pension treatment must be different, so this part of the money to contribute to the end of the profit is your own self.

Let's not give up on social security contributions because they keep growing every year, in other words, some people simply follow the minimum level of 15 years to pay social security, in fact, this selection is not scientific and reasonable, although 15 years is able to do retirement, but the experience of the old age pension is still relatively low, in fact, for the majority of the population, it can not ensure that their own life after retirement. The first thing you need to do is to get a good deal of money to pay for the retirement program.