In the case of old age insurance, is it really necessary to pay for social security, which is becoming more and more expensive?

One of the biggest expenses in our lifetime, besides our homes, is the cost of social security. In this regard, the working class may have a better year. In the post workers to buy a home with a provident fund, mortgage loans can enjoy the provident fund loans, loan interest than commercial loans slightly lower than many points; also in the level of social security spending, in the post workers have to pay five insurance, so the most important of these five insurance is the social pension insurance and medical insurance. But the good thing about being an employed worker is that in social security contributions, the employing company pays most of them, and their own contributions are the big ones.

Take the social pension insurance, in terms of the total 24% of the contribution ratio, the proportion of the employer company paid 16%, the proportion of personal payment is only 8%; in the health insurance paid 8% of the contribution ratio, the enterprise payment accounted for 6%, I only pay 2%, so this 2% also need to be all the way back to the individual social security card, part of the enterprise payment needs to be part of the return of personal social security card, which is equivalent to their own is not a social security card, the same as a person who does not have to pay. card, equivalent to their own does not pay fees, but also need to earn a little part of the return of the enterprise. Although it is returned to the social security card, but you are not money, is can be used to go to the pharmacy to buy drugs or to the hospital to treat the cost.

As a unit of workers, part of their own contributions are based on the actual income of the individual as a contribution base, only their own wages rise every year, their own contribution base to increase, that if their wages stand still, in fact, their monthly social security fees are not going to have any change. Unit workers if the social security costs continue to rise in fact is a good thing, one means that their wages rise, higher monthly earnings; two belonging to their own contributions to the base to enhance the future of social security to ensure that the wage treatment will be higher.

Anything is a two-way street. On the one hand, the employed workers, looking forward to their wages continue to rise, social security costs continue to rise; but social security payments, in addition to the employed workers, there are many freelancers and pay urban and rural residents pension insurance and medical insurance work, this group of people feel that the social security costs of the rise in the work of the pressure is very big. On the one hand, to ensure that their daily lives are not affected; on the other hand, the payment of social security, for freelancers and urban residents is very important, the more and more people do not have a business to work for the social security of the desire to ensure that more eager, after all, no social security risk is very huge.

Freelancers pay employee social security, need to pay the pension insurance and medical insurance two kinds of social security, because the contribution base is based on the average social wage of employees in the previous year to make the contribution base, China's economy continues to improve every year, the average social wage of the employees are still increasing, so every year freelancers pay pension insurance and medical insurance social security contribution base may be continued to rise. In the absence of any real increase in wages and income, this is a tremendous amount of pressure to bear, and the strain is very great indeed.

The urban and rural residents of the pension insurance standard is relatively fixed, every year will be able to pay according to the original standard, but the urban and rural residents of the medical insurance premium specification, is associated with the per capita disposable income of urban residents, so every year there will be a certain amount of higher, for example, residents of the medical insurance since last year's 280 yuan per person per day to this year's 320 yuan per person per day. Although it is only 40 dollars of the rise, but the experience or obvious, especially in the backward areas of the basic requirements in accordance with the home to pay, this pressure is even greater.

Social security costs continue to rise, in the pressure generated at the same time, part of the people have to continue to pay and do not pay in the middle of the gradual hesitation to pay it again feel the pressure, do not pay it to encounter the disease how to do? Although the annual increase, but the strength of this big increase is in the middle of a certain scope, but also most of the acceptable range.

One is the need for social security, social pension insurance is to ensure that we will retire in the future, the greater the specification of the contributions, the higher the pension benefits in the future, the overall profit or yourself;

The second is that we should prevent the financial risks arising from the disease. Every year to raise a few dozen dollars of pension insurance premiums, but the prevention of risk is huge, not seriously ill this is also a lifelong friend, if not accidentally seriously ill, can help us deal with big problems in the economy, can prevent the return of poverty due to illness, due to poverty, this will be very valuable to our country, to society, to the family and the individual.

Summary of the above often say, each year's social insurance costs based on the state of social and economic development, payment norms or contribution base will be adjusted accordingly, but this adjustment is for better protection. As a member of the insured person if because of this kind of adjustment and give up their own again to pay again, again to pay social security, and finally affected by their own. Correctly treat the social security costs of the timely adjustment with their own comprehensive protection level, which is also the responsibility of the participants and the right to dominate a comprehensive reflection.