What is the practical use of social security

In the future, the "social security card" will be your greatest asset and protection!

"Social security card" is the full name of "social security card" is the unified planning by the Ministry of Labor and Social Security, issued by the local labor security departments for the community, used in the field of labor and social security business integrated circuit card (IC card). Those issued to urban workers, the unemployed and the retired are called social security (personal) cards, and those issued to employers are called social security (employer) cards. It covers all aspects of social security for individual residents, including both social insurance and employment services, and local governments in some regions will put more into it according to local practical needs.

The benefits of social security are:

I. By definition, social insurance is a social security system mandated by national laws and government decrees to ensure that workers receive material help from the state and society in the event that they lose their ability to work, either temporarily or permanently, due to birth, old age, illness, death, injury, disability and unemployment. Obviously, social insurance is the state under the constitution, is the legislation compulsory administrative social insurance system, and with financial backing, insurance surplus is as insurance reserve, incurred a loss by the state financial allocation to make up for the time of no cessation of operation, the insured have the right to obtain protection forever.

Two, from the economic benefits, if you participate in social insurance, it means you get the benefits. First, individual employees only need to pay a monthly contribution of 8% of the proportion of wages, the unit for each employee to pay 5% of their wages (each subsequent contribution year to increase by 1 percentage point, to reach 11% to remain unchanged), the state 11% of the wages for employees to establish a social insurance personal account (the account belongs to the individual, can be inherited and transferred), the personal account than the individual contribution of 3%, that is, every month you can "Earn ten to tens of dollars more". Secondly, social security contributions are not taxed on interest, but also more than bank deposits. Thirdly, the accumulated contribution period of 15 years or more, to reach the national legal retirement age, can be processed to enjoy the monthly pension. Fourth, the pension with the improvement of the standard of living of the community and "only increase", so that the life after retirement is a reliable guarantee, and the more contributions, the more enjoyment.

Third, from the social environment, on the one hand, the current national formation of a strengthened social insurance system of the climate, from the State Council to the provincial government has promulgated the "four cases and one rule", expressly stipulated that eligible persons must participate in the voluntary participation in social insurance has been an imperative. In the past, some people thought that participation in social insurance was not guaranteed, and they did not know whether the money would be there by the day they received it. Now, this concern can be completely eliminated, because the State has comprehensively improved the social insurance mechanism, backed by strong financial strength, to ensure that the insured can receive their entitlements as scheduled. On the other hand, social insurance is a compulsory social system, an important part of the economic system of the market economy and a guarantee of the market economic system, so all countries in the world, especially the developed countries, have generally established a comprehensive social insurance system, and some countries have also included social insurance in the model of tax collection, so that the strengthening of the social insurance system is a major step in line with international standards. On the other hand, the law on those who refuse to participate in the insurance or unpaid social insurance premium penalties.

Generally after joining the work, the employer will submit a copy of the employee's identity card ID, household registration or temporary residence permit to the Social Security Administration for a social security card. But some employees still don't know what it's for after they get the social security card. So what is the use of the social security card in the end?

The social security card has the following eight main roles:

(a) Social medical insurance card is used to record information related to residents' social security, it card identifies the cardholder's personal employment status, and records the cardholder's social insurance account information and contributions, occupational skills, employment experience, work-related injuries, occupational diseases and degree of disability.

(2) The social medical insurance card is used to record the participant's name, identity card number, year of birth, gender, ethnicity, place of domicile, and other basic information, and records the cardholder's name, gender, citizenship number, and other basic information onto its card face for viewing.

(3) The Social Medical Security Card can be used to inquire about the resident's own pension insurance, unemployment insurance, medical insurance, work injury insurance and maternity insurance payments. Inquire about the total accumulated amount of pension insurance and medical insurance and other information.

(4) Cardholders can use the card to visit designated hospitals, purchase medicines from designated pharmacies, and settle their medical insurance personal accounts. It is worth noting that the social medical insurance card of insured residents can be used at POS machines by swiping the card with the PIN, but it cannot be used to withdraw cash or make transfers.

(e) If a participant is unemployed, he or she can use the card to go to the relevant departments to register for job-seeking and unemployment, and to claim unemployment insurance benefits as well as apply for employment training;

(f) Participants can use the card to handle social security affairs such as medical care, unemployment, old-age pension, work-related injuries and maternity, and to handle social security affairs such as receiving pensions.

(7) The insured individuals can also apply for labor capacity appraisal with the card, enjoy work injury insurance treatment and so on.

(viii) Cardholders can also use the card to search for relevant information on the Internet.

See, the social security card is powerful, involving all aspects of our lives. Therefore, after getting a social security card, you must manage it properly, and if it is lost or damaged, you must replace it in time.

Social insurance includes: pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance. Among them, pension insurance, medical insurance and unemployment insurance, these three kinds of insurance is by the enterprise and individual **** the same premiums; industrial injury insurance and maternity insurance is entirely borne by the enterprise, individuals do not need to pay.

Roughly, the contribution ratio is as follows:

Pension insurance contribution ratio: 20% of the unit, 8% of the individual;

Medical insurance contribution ratio: 10% of the unit, 2% of the individual;

Unemployment insurance contribution ratio: 2% of the unit, 1% of the individual

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