Is it okay not to pay five insurances and one gold? What's the impact?

First of all, we need to know what five insurances and one gold are.

Have you really figured it out after paying five insurances and one gold for so many years?

Social security is the abbreviation of social insurance, including endowment insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, which is also commonly known as "five insurances and one gold", and one gold refers to housing accumulation fund.

Now some netizens ask questions. There are always people in society who say that it is not good to pay endowment insurance. The reason is that retirement is delayed and the social security gap is so large. It is true that retirees may not get a pension in a few decades. So, what's the proportion of people who don't pay social security now and buy pensions, and what will happen in the future?

In fact, according to the statistical bulletin on the development of human resources and social security in Ministry of Human Resources and Social Security in 20 18, there were 776 million employed people in the country in 20 18, and only 30 10/00000 employees were insured, accounting for about 38% of all employed people.

There are still so many people who don't pay social security and buy pensions. What will happen to them in the future

1. For those who have paid social security, but failed to pay 15 for various reasons, as long as they reach the statutory retirement age, they can pay back the pension insurance of 15 in one lump sum, and then go through retirement procedures. Enjoy the same treatment after retirement, but can not enjoy the corresponding personal account interest and state subsidies.

Second, for those who have never participated in employee pension insurance, they can only participate in urban and rural residents' pension insurance instead, which is usually a supplement to employee pension insurance. However, the treatment of urban and rural endowment insurance is low, which can not meet the needs of life. Of course, you don't have to pay too much like employee pension insurance. So usually these people have to have a certain amount of savings to maintain a basic life. You can also buy a commercial endowment insurance to make your old age life better.

Third, if the old-age insurance for urban and rural residents can't meet the needs of life, retirees around the age of 60 can continue to work until they are 70 or 80, saving some money. In Japan, because of the low pension, the elderly aged 60 to 70 work more.

Really can't. We can solve the problem of living in nursing homes for the 70 s and 80 s by "providing for the elderly with housing". Of course, it is best if you can get financial support from your children. If your children are unable to support them, you can only choose the mode of "providing for the elderly with housing".

In fact, at present, the number of people participating in social security in China only accounts for 38% of the total number of employed people, which means that most people have never participated in social security, and employees who have participated in social security can retire as long as they reach the prescribed retirement age, which is less than the difference of 15.

For groups that have never participated in social security, they can participate in urban and rural residents' endowment insurance, which is far worse than employee endowment insurance.

Therefore, many people can solve the problem of providing for the elderly by continuing to work, providing housing for the elderly and participating in commercial endowment insurance. Therefore, as long as conditions permit, it is necessary to participate in employee pension insurance, which is related to the future pension benefits of most people.

Moreover, this data is not very accurate. Many insured people are out of insurance, and the actual contribution rate of insured employees is only 80%. If calculated according to this ratio, the number of employees paying fees at the end of 20 18 is only 24 10 billion, and the insurance premium rate is only 3 1%.

Obviously, the number of employed people who do not participate in social security is far greater than the number of insured people. However, we believe that everyone still has to pay social security and pension.

On the one hand, after you pay five insurances and one gold, your life is guaranteed. We also see that the state has given retirees a continuous salary increase of 15 years. Even if you save a lot, your security is not as good as social security. The pension is paid to you every month. Even if you don't have any savings around you, pension has always played a stable role in your life.

On the other hand, paying social security benefits the country and the people, so that everyone can provide a support for social security and the pension fund can get better and better. If everyone is unwilling to pay social security, there will be problems in the national pension system, which is a big trouble.

Frequently asked questions about social security

1. How many years should I pay the endowment insurance?

The personal account of endowment insurance is a personal account established by the state for each insured person with a lifetime record. In other words, no matter where the payment is made, no matter whether it is paid intermittently or not, the personal account will record the rights and interests of the insured person cumulatively and will not be cleared. According to the national regulations, the old-age insurance needs to be bought for at least 15 years, and it can be interrupted halfway, and it needs to be bought for at least 15 years. After reaching the statutory retirement age, you can receive a pension according to the payment base of the old-age insurance you purchased and related policies.

It is suggested to continue to pay the general old-age insurance after 15 years, because the longer the payment period, the more pensions you will receive after the statutory retirement age.

2. Can the money in the medical insurance card be withdrawn?

1. Money in personal account can be withdrawn. Medical insurance is divided into two accounts, personal account and medical insurance card. The money can be used to buy medicines at designated pharmacies, or to withdraw cash, pay outpatient expenses and pay the part of hospitalization expenses that individuals pay. The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account.

2. When seeking medical treatment, show the medical insurance card to the designated hospital to prove the identity and registration of the insured. The part of medical insurance reimbursement is settled by medical insurance and hospitals, and individuals do not need to pay in advance before reimbursement. At the time of checkout, the part paid by the individual will be paid by the balance of the medical insurance card, and the insufficient part can be paid in cash.

3. There is a deductible line for hospitalization reimbursement (the standard of the deductible line is generally 65438+ 00% of the average annual salary of employees in the city in the previous year, generally 1 1,000 to 2,000), which means that the money from the deductible line needs to be paid by itself, and the part exceeding the deductible line can be reimbursed according to local medical insurance regulations. The proportion of reimbursement varies from place to place, and different projects in different hospitals are also different.

4. There are relevant standards for the scope of medical insurance reimbursement and payment ratio, such as drugs, treatment, class A, class B, and self-expense. , which is different from "reimbursement ratio"; Different hospital levels have different "threshold fees" for hospitalization; The "threshold fee" for the first hospitalization during the year is different from that for later hospitalization; On-the-job and retired "reimbursement ratio" is different; The reimbursement ratio of civil servants and non-civil servants is also different.

3. Can I get unemployment insurance without a job?

Don't! Paying unemployment insurance does not mean that you can enjoy unemployment benefits. Even if some people have paid unemployment insurance for decades, they have never enjoyed unemployment benefits, and it is conditional to receive unemployment benefits.

First, pay unemployment insurance for more than one year.

Second, I didn't take the initiative to interrupt my work.

Third, only those who have registered for unemployment and participated in employment training can receive unemployment benefits if they have a desire for employment.

4. How to get industrial injury insurance?

1. Work-related injury identification application: Go to the Insurance Department of the Labor Bureau to receive the application form for work-related injury identification and the description of work-related injury application. Generally handled by the unit, if the unit does not handle it, you can apply for work-related injury identification in your own name.

2. Application for confirmation of labor ability appraisal: After the work-related injury is confirmed, a Notice of Work-related Injury Confirmation Conclusion and a Work-related Injury Confirmation Letter will be issued. At this time, you can go to the social security center to register the injured workers, and then you can reimburse the medical expenses for the work-related injuries.

3. Work-related injury social security registration and treatment approval: After the work-related injury identification and labor ability appraisal work-related injury rating are completed in the insurance department of the Labor Bureau, you can go to the social security center for work-related injury registration and treatment approval.

4. Work-related injury reimbursement: A work-related injury certificate is issued after the work-related injury is identified, and the medical expenses related to the work-related injury can be reimbursed after being registered by the social security staff.

5. What expenses can maternity insurance reimburse?

1. Maternity allowance: refers to the living expenses paid by social security institutions to female employees during their absence due to maternity. Maternity allowance is a substitute for maternity leave salary, so maternity allowance and maternity leave salary cannot be enjoyed repeatedly.

2. Maternity medical expenses: refers to the medical expenses incurred by female workers during pregnancy and childbirth, including the expenses for prenatal examination and diagnosis and treatment of pregnancy complications and complications during hospitalization.

3. Medical expenses of family planning operation: refers to the medical expenses incurred by workers in placing or taking out intrauterine devices, performing tubal or vas deferens ligation and recanalization, and performing induced abortion or induced labor. Reading 6. Reserve fund

6. How to withdraw the housing provident fund?

1. When employees in agricultural registered permanent residence leave their city, they can handle account cancellation, mortgage repayment, house decoration, renting, etc.

2. Urban hukou can only be used for mortgage repayment, house decoration and renting.

7. What is the impact of social security withholding?

The influence of social security withholding should be viewed from two aspects-accumulation and persistence.

Cumulative refers to the cumulative payment period of various types of insurance, and the Social Security Law stipulates that:

1. Accumulated payment of endowment insurance 15 years or more.

2. Medical insurance needs to be paid for 20-30 years (different provinces).

3. Unemployment insurance needs to be paid at least 1 year.

4. Work-related injury insurance has no accumulated years.

It has no effect on social security accumulation. As long as the accumulated years reach the standard, you can enjoy the corresponding treatment.

Continuity refers to whether a certain type of insurance is interrupted within a certain period of time, such as:

1. Most provinces and cities stipulate that maternity insurance must be paid continuously for at least 1 year to enjoy the corresponding treatment.

2. Work-related injury insurance is not interrupted when a work-related injury occurs, and you can apply for work-related injury insurance benefits according to regulations.

3. In some provinces and cities, a necessary prerequisite for buying a car or buying a house is to require social security to be paid for several years continuously (for example, Shanghai requires five years).

4. You can't enjoy medical insurance benefits in the next month after medical insurance is paid off.

This is the influence of social security withholding, which destroys the continuity and leads to the inability to enjoy the corresponding treatment.

8. What about the original social security payment when you change jobs in the city?

First of all, clarify a common misunderstanding-that is, changing cities must transfer social security. In fact, it does not mean that you need to transfer to social security as long as you change cities. Whether to transfer depends on the specific situation; Generally speaking, social security transfer only applies to the following three situations:

Approaching retirement age, you need to go through the formalities of pension and medical insurance;

Those who have decided to retire in this city will not change;

The unit or social security agency in the new workplace requires social security transfer.

If the above items are applicable, it should be transferred as soon as possible; But if not, there is really no need to move so early.

Why? There are three main reasons.

1. First-tier cities have high pensions, so it is not cost-effective to transfer them rashly.

As we all know, under the same conditions, the average social wage in first-tier cities is higher than that in local cities, so the pension received in first-tier cities is much higher than that in other places.

For example, if you have worked in Shanghai for 15 years and paid a high social security fee, you will move your social security location to a third-and fourth-tier city, and your final pension will be paid according to the amount of the social security location, which will be greatly reduced compared with the pension you received in Shanghai.

2. Not everyone can transfer to social security.

According to our national policy, social security transfer requires age:

Men are over 50 years old and women are over 40 years old. When they change jobs in the city, they can't establish a new social security account, so they can only establish a temporary account.

This means that the social security originally paid cannot be transferred to the new city. When the pension conditions are met, the money in the temporary account will automatically return to your original insured place after retirement;

3. The original social security account for working in different places will not be cancelled.

Many people have this misunderstanding: that is, the social security account only belongs to the local area. If I change my job in a different place, I must apply for a new social security account.

In fact, no matter how many cities you work in, the original social security account will not be cancelled;

For example, if you transfer from Beijing to Shanghai, your account in Beijing will only be closed for you and will not be cancelled. You can transfer to Shanghai.

Tips: After the social security account of the original insured place is sealed, even if you don't want to transfer social security for the time being, you must take good care of social security, certificates and other related materials to avoid having to travel back and forth to two cities to make up materials when you want to transfer in the future.

To sum up, social security transfer is actually something that everyone who changes jobs in the city may face. If you are insured in multiple provinces and cities, you only need to choose a pension city with high average salary (need to pay 10 year) and transfer social security before retirement.

9. How to pay social security?

If you pay it back, the company you found a new job will definitely not help you pay it back, so you can only pay it back through yourself or an intermediary:

If it is a local account, you can go to the Social Security Bureau to fill in the social security payment form and pay the money.

If you are a non-local account, you can ask a third-party enterprise with social security agency service to help you fill out the application for supplementary social security and pay the fee.