Why are fewer and fewer people paying social security?

There are several reasons for not paying social security, but paying social security also has many benefits. The salary is low, and all expenses borne by enterprises and individuals account for half of the salary. For employees who have just joined the company, social security is invisible, but the salary is practical, so many people are willing to discount social security and not pay social security. If the payment is broken, it will be troublesome to handle it again, so I don't want to pay it. The payment period stipulated by social security is 15 years, and you can only enjoy the corresponding old-age insurance after retirement, and enjoy the medical security payment for a longer time. For some young people who frequently change jobs, social security is often. It is still unknown whether our current social security fee can be enjoyed. Social security contributions will last for so many years. For the insured who just started to pay, it is still unknown whether they can get their money back at retirement age. So I don't want to pay social security.

The role of paying social security is as follows:

1. Those who participate in endowment insurance will receive pension, pension and funeral expenses after retirement;

2. Participate in medical insurance, which can be used for medical reimbursement and medical insurance treatment services for the elderly;

3. Participate in unemployment insurance, and the insured person will receive unemployment insurance money after unemployment;

4. Participate in work-related injury insurance and pay work-related injury medical expenses, living care expenses, disability subsidies and disability allowances.

First, social security can pay less taxes.

First of all, all social security is tax-free. For those who earn 5000 yuan, the personal income tax rate is 15%. If the company can pay social security in full according to the salary, it will pay 8% of old-age insurance, 2% of medical insurance 100 yuan, 0.5% of unemployment insurance, 25.5% of housing accumulation fund and 8% of 400 yuan. Then the tax saved is: 925.5% 15%= 138.83 yuan.

Second, in fact, most social security is not paid for free, and in the end it is all your own. For individuals, apart from a little cumbersome procedures and no economic losses, not only the money paid can be returned, but also more income can be obtained.

1. Housing accumulation fund

Most people know that it is good to pay the provident fund, because it can be taken out after buying a house loan, and because the company has to pay as much provident fund as itself, if it is paid to 400 yuan, it will get 400+400=800 yuan. This money can be taken out every quarter, even if you don't buy a house, you can finally return it to you in other ways, and it will be your own sooner or later.

2. Pension

Individuals give 8% of the pension, and the unit gives you 20%. After a certain period of pension payment, you can receive a pension after retirement. Even if it is not enough, it can be refunded to you according to the amount you paid. There is always no loss.

3. Medical insurance

Medical insurance is so important that young people don't realize it, because they will say: I don't go to the hospital once a year. But everyone will get old. When they get old, all kinds of problems will come out. Just look at our parents.

Legal basis:

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

Article 58 An 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.