The amount of social security contributions is not low, why is it still rising?

What is social security? Simply put, this is a kind of insurance specially designed by the state to protect people's basic life, also called social insurance. Among them, social insurance also includes five types of insurance: pension, medical care, unemployment, work-related injury and maternity, and the amount of payment is also paid by companies and individuals in strict accordance with the proportion of payment.

Social security costs have risen sharply.

The cost of social security has risen sharply all over the country again, especially for those who are flexible in employment. Social security expenses directly account for a large part of their monthly income. Why are social security costs rising? As a result, the amount of social security contributions is not low, why is it still "upward"? Professionals give answers.

As early as 20 19, the minimum monthly social security fee for local employees was about 1300 yuan, and it would be directly paid 15600 yuan a year later. By 2020, affected by the epidemic, the monthly payment will be reduced to 1 100 yuan, while the annual social security fee will be around 13200 yuan, a decrease of 2400 yuan over the previous year.

But by 20021,the impact of the epidemic on all walks of life was slowly declining, but the social security expenses suddenly jumped in the opposite direction. The monthly expenditure actually exceeds 1600 yuan, and has reached 19200 yuan in the whole year, with a year-on-year increase of over 45%.

There is no doubt that this data surprised everyone. Basically, most people's annual salary increase can't reach 10%, and social security expenses suddenly soar to 45%, which is really stressful.

The trend of overpayment is increasing in direct proportion.

For people, the most important thing to pay social security is the pension after retirement. It is reported that the amount of this endowment insurance is directly proportional to the amount paid now. In other words, more pay, more gain. The calculation formula of personal account pension is: personal account pension is equal to the total principal and interest of personal account, divided by the number of months. This means that once the principal and interest deposited in the personal account increase, the pension of the social security payer after retirement will also increase accordingly.

For many old people who receive pensions, it is undoubtedly a huge expense in life to see a doctor and buy medicine, especially for those with low pensions, which undoubtedly increases the burden of life. At this time, it is very important to pay medical insurance. After paying medical insurance, no matter what disease you get, there will be corresponding medical expenses reimbursement, and the reimbursement ratio is different in each place.

Medical insurance is definitely the gospel of the public. After reimbursement, medical expenses will be reduced, which will reduce the concept of "minor illness can not afford, serious illness can not afford" of ordinary people. In addition, there is a very necessary reason for paying medical insurance, that is, China's medical technology is more and more advanced, and the cost of seeing a doctor is getting higher and higher.

Provide living security for the unemployed.

In such a severe employment situation, the fierce competition in China's talent market has also led to the emergence of a large number of unemployed people. Once there is no wage income, their life will be difficult to be guaranteed. At this time, the involuntary unemployed insured who pays unemployment insurance premium 1 year can receive an "unemployment relief fund".

The amount of this "unemployment benefit" is drawn up by the relevant departments in various regions, but it will not exceed the local minimum living standard. It can be said that unemployment insurance is also the gospel of the unemployed. If people who participated in employee social security before unemployment do not need to pay medical insurance during unemployment, this is also a special subsidy for the unemployed by the state.

In today's severe employment situation, this unemployment benefit will bring warmth to the lives of unemployed people and guarantee their basic living security. The benefits of paying social security will always be reflected when ordinary people need help most. Sometimes, paying social security is also a kind of responsibility for your future.