Which grade of social security is the best?

Which grade of social security is the best?

First gear is good.

1, social security payment is still reasonable according to personal ability. If the ability is high and the economy allows, it can be distributed according to the highest grade; If the individual's salary is low and his ability is not very strong, it is more appropriate to pay at the lowest level.

2. The monthly payment standard of individual social insurance for the insured is divided into four grades: the lowest grade (40%), the first grade (60%), the second grade (80%) and the third grade (100%). The minimum pension payment (40%) consists of pension, basic medical care+mutual aid for serious illness (8.5%+ 1%) and maternity insurance, with a total payment of 548.57 yuan per month. The first installment (60%) is 692.37 yuan, the second installment (80%) is 835.97 yuan, and the third installment (100%) is 979.77 yuan.

3. It should be noted that the lowest pension cost is 287.40 yuan, the first, second and third grades are 43 1.20 yuan, 574.80 yuan and 7 18.60 yuan respectively, the basic medical care+serious illness mutual aid line cost is 242.06 yuan, and the maternity insurance is19.

Second, the collection method of social insurance premiums

1, proportional insurance system

This method is based on the wage income of the insured, and a certain proportion is stipulated to collect insurance premiums. Adopting the proportional system, the initial main purpose of social insurance is to compensate the income lost by the insured in risk accidents in order to maintain their minimum living. Therefore, we should refer to his usual income, on the one hand, as a standard to measure payment, on the other hand, as the basis for premium calculation.

The biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance premiums or one of them bears social insurance premiums, the burden of social insurance is manifested in the increase of labor costs, which will lead to capital crowding out labor, which will lead to an increase in unemployment.

2. Equal insurance premium system

That is, regardless of the income of the insured or his employer, the insurance premium of the same amount should be charged. The advantages of this system are simple calculation and easy to be universally realized. Moreover, in countries that collect insurance premiums in this way, the payment system is generally divided equally, which has the significance of equal income and expenditure. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability.

legal ground

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

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.