There is no loss in changing social security from first gear to second gear.

Legal analysis: the first, second and third grades of social security correspond to 60%, 80% and 100% respectively. According to the monthly payment, the first gear is 692.37 yuan, the second gear is 835.97 yuan, and the third gear is also the highest grade, with a monthly payment of 97,438 yuan. In fact, for the insured, there is also a minimum level, which is 40%.

The difference between the first file and the second file is that the social security payment level is divided into four files: the lowest file (40%), the first file (60%), the second file (80%) and the third file (100%). The first file is paid according to 60% of the average wage payment base of last year, and the second file is paid according to 80% of the average wage payment base of last year. The higher the grade, the more you get, and the amount of money you get is also related to the number of years you pay social security. Introduction of Social Security Payment Grades The monthly social security payment standard of the insured is divided into four grades: the lowest grade (40%), the first grade (60%), the second grade (80%) and the third grade (100%). Refers to the payment base of the average wage of social workers in the previous year. For example, the average salary of social workers last year was 3000 yuan. If you choose 80%, you will have to pay 8% if you are an enterprise employee, which means 192 yuan.

Legal basis: Article 64 of People's Republic of China (PRC) Social Insurance Law includes basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.