Is it important or not to buy social security?

If you need to purchase social security, the relevant provisions are as follows:

1, social insurance is compulsory by the state and must be paid; If employees and units establish labor relations, then social security must be paid. If employees have no jobs, it is unnecessary. It is compulsory for the unit to pay social security for employees;

2, the employer does not apply for social insurance, the social insurance administrative department shall order it to make corrections within a time limit; If no correction is made within the time limit, the employer and its directly responsible personnel shall be fined;

3, not paid in full and on time, the social insurance fee collection agency shall order it to pay or make up within a time limit, and the role of social security payment is as follows:

(1) Those who participate in endowment insurance will receive pension, retirement pension and funeral expenses after retirement;

(2) those who participate in medical insurance can be used for medical reimbursement and medical insurance treatment services for the elderly;

(3) Participating in unemployment insurance, and receiving unemployment insurance benefits after the insured loses his job;

(4) to participate in work-related injury insurance, which is used to pay medical expenses, living care expenses, disability allowance and disability subsidy for work-related injuries.

How to pay the social security fee?

The regulations in different places are not completely consistent. The following are the general provisions on supplementary social security procedures. If an individual handles "five insurances and one gold", unemployment, maternity and work-related injuries will not exist during the period of breaking off diplomatic relations, because these three items are all borne by the unit. What you need to pay is medical endowment insurance. Because of the adjustment of the deposit base of this "second insurance", you should pay it as soon as possible. Endowment insurance can be paid according to economic conditions. It is best to do a good job in medical insurance before July 1.

1. At present, if you pay social security at the place where your account is located, you can choose to pay it back or not. If it is not the social security paid by household registration, it cannot be paid.

2. Paying by yourself is a part of the total amount paid by individuals and units themselves. The company will continue to pay, and you only need to pay the part paid by individuals. If the social security is cut off in the middle and not paid, the social security payment period will be less, which will directly affect the future pension. You can choose to renew it by the company.

3. Only when the minimum payment period stipulated by social security has accumulated to 15 years can you receive a pension at retirement age.

To sum up, whether you need to pay social security by yourself is different for everyone. Paying social security is mainly for two purposes, one is to get a pension, and the other is to enjoy medical care. If you value medical insurance benefits, then paying social security is cost-effective.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 84

If the employer fails to apply for social insurance registration, the social insurance administrative department shall order it to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined between one and three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined between 500 yuan and 3,000 yuan.

Labor law of the people's Republic of China

Article 72

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.