Deficiency of social security work

Social security is a welfare given by the state. It is naturally good to have this layer of protection, but we can't expect social security to protect us for a lifetime unless you have a very difficult life for the rest of your life.

Zhu Rongji once said: "The standard of social basic security must be adapted to the level of economic development and the affordability of all walks of life in China ... The standard is too high for all departments to afford, which will also affect the country's economic development and competitiveness. High-level social security needs should be solved through supplementary insurance and commercial insurance. "

Because social security has many restrictions and can only guarantee everyone's basic living standard, it is necessary to fill the shortage of social security through commercial insurance.

The deficiency of social security is mainly reflected in the following aspects:

First, the lack of social security pension.

The condition for receiving a pension is that the payment period must reach 15 years and reach the statutory retirement age. In the case of death, only the remaining amount in the individual account will be refunded, and the money in the overall account will not be refunded.

According to the policy of delaying retirement, it will take longer to pay the money and shorter to get the money. If you die unfortunately at the beginning of receiving money, there is very little money in your personal account.

Second, there is a lack of social security of basic medical insurance.

Limit: Due to different local regulations, this paper takes Beijing as an example to illustrate that the cumulative maximum payment limit of the basic medical insurance pooling fund is 654.38+10,000 yuan a year, and the cumulative maximum payment limit of the large mutual fund is 200,000 yuan, * * * 300,000 yuan. Some people will think that this amount is enough, but think about it. What if people suffer from minor disasters and illnesses all their lives and get seriously ill? Let's look at the cost of treatment for some major diseases. Do you still think so?

Third, social security does not count fatal accidents.

When an accident needs treatment, some situations cannot be reimbursed: motor vehicle road traffic accidents, medical expenses incurred overseas, expenses that should be borne by the responsible person, expenses that are reimbursed by work-related injury insurance, etc. (For details, please refer to the Administrative Measures for Accidental Injury Protection of Social Medical Insurance in Various Regions).

In the event of death, the social security society will compensate the funeral expenses, and if there are immediate family members to support, a one-time pension will be given; The amount of funeral expenses and pensions shall be implemented according to the regulations of the local government. In addition, the personal account of endowment insurance before death can be used as inheritance. However, the amount of these projects is relatively small, and the guarantee effect is very weak.