Why did social security suddenly deduct more money?

Social security suddenly deducted more money for the following reasons:

First, increase the base of social security contributions;

The second is to increase the deposit base of housing provident fund;

Third, welfare benefits are more secure;

Fourth, the last social security payment was insufficient, and this time it was made up.

The first is to increase the base of social security contributions.

Now people actively participate in insurance, mostly because they want to enjoy better pension benefits after retirement and further guarantee the quality of life. But whether you are an enterprise or a flexible employee, you must follow the local social security payment regulations.

Among them, the social security payment base is determined according to 60% ~ 300% of the local average wage level in the previous year, and around July every year is the key node to adjust the social security payment base. At present, the social average wage data of 202 1 is basically released, so the upper and lower limits of the employee social security contribution base will also be adjusted in 2022.

Second, the housing provident fund deposit base is raised.

In addition to social security, many employers will also pay housing provident fund for their employees, and the expenses will be deducted directly from their wages. From July 1 day to September 30th every year, the deposit base of housing provident fund is adjusted once a year. For example, in Hangzhou, the upper limit of the deposit base of housing provident fund in 2022 is determined according to the average monthly salary of employees in non-private units in this city last year, which is 36,675 yuan per month, and the lower limit of the deposit base is the local monthly minimum wage, which is 2,280 yuan per month. After the adjustment, many people's payment level has increased, and natural deductions will be more.

Third, welfare benefits are more secure.

First of all, pension, as one of the most important social pension insurance benefits, always follows the principle of "pay more and get more for a long time". With the increase of social security payment base, more funds will be accumulated in individual pension accounts, which not only has advantages in retirement accounting pension benefits, but also enables retirees with high pension level to increase a sum of money every year when adjusting their pensions. It really kills two birds with one stone and improves the quality of life of the elderly.

Secondly, the amount of money returned from the personal account of on-the-job employees' medical insurance is also closely related to the base of their insurance contributions. With the implementation of the new medical insurance policy, many existing standards are calculated according to 2% of my insurance payment base, so the social security payment base will increase, and the amount of money returned from my personal medical insurance account will further increase, making it more convenient and economical to see a doctor and buy medicine.

Finally, the increase in the deposit base of housing provident fund means that the monthly deposit will be more, and it will be paid by units and individuals and accumulated year by year. Not only will buying a house and renting a house save money, but after formal retirement, the money in the account can also be taken out at one time. If you have never used it during the deposit period, you may get hundreds of thousands, and the pension income will actually increase.

Legal basis:

Article 60 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.

Article 72 of the Labor Law of People's Republic of China (PRC)

The social insurance fund shall determine the source of funds according to the types of insurance and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums according to law.