Social security is only paid 15 years, which is a big loss! I didn't expect social security income to be so high.

Social security is only paid 15 years, which is a big loss! I didn't expect social security income to be so high.

Don't turn a blind eye to the social security trap and don't suffer. Nowadays, many people know that looking for a job outside only depends on salary. In fact, social security pays more attention to the attitude of enterprises towards employees than wages. Employers looking for jobs should pay attention to whether there are any of the following traps. As long as those occupy any one, we'd better respect and stay away.

Trap 1: refusing to provide social security

When employees sign labor contracts, companies and enterprises have the responsibility to help employees pay social insurance premiums.

This is not a small expense, so many unscrupulous companies and enterprises offer a three-month probation period to save recruitment costs, without paying social insurance, because the employment relationship can be dissolved at any time during the probation period.

To make matters worse, in order to reduce the labor force and save costs as much as possible, many companies refuse to transfer employees after the probation period on the grounds that this person is not suitable for the job and start recruiting the next "cheaper" worker.

An employer who refuses to pay social insurance premiums during the probation period is likely to be a dishonest unit. I hope everyone will keep their eyes open and ears open when looking for a job.

Trap 2: Failing to pay social security as required.

It should also be noted that social insurance is a "level" even if you work full-time, so the higher the level of social insurance payment, the higher the pension and the lower the level, and vice versa.

This is determined by the wage level. The minimum wage must be 60% of the local average wage and the maximum wage is 300%.

In order to reduce costs, many employers pay social insurance at the lowest level without telling individuals, which also affects our pension benefits.

Pay attention to the details of your social insurance every month when you pay your salary.

If you find yourself paying too little, such as a salary of more than 10 thousand, but social security has paid hundreds, this is obviously abnormal. After retaining the evidence, we have the right to ask the company to pay social security according to company standards, otherwise it is illegal.

In addition, many companies use wage increase as an excuse to deceive workers into giving up or lowering the level of social security, which is something we must absolutely avoid, because even if wages are slightly increased, it is too late to use social security benefits.

Others lack foresight. Although I have worked in the company for a long time, I still have to pay 15 years of social security to meet the minimum requirements.

They negotiated with the company to give up social insurance in exchange for short-term "high" wages.

This kind of thinking and behavior is dangerous and will affect the quality of life in the future.

Many people without foresight think that they can get a pension by paying 15 of the social security fee, so they don't have to pay it again.

Paying 15 years of social insurance premium is very different from paying 25 years of social insurance premium, which will even affect the rest of your life.

There are two advantages to paying social insurance premiums for 25 years.

1. Monthly minimum 1000 yuan.

At the same level of salary and social insurance, a person who has paid social insurance for 25 years gets a monthly pension of 1000 more than a person who has paid social insurance 1005.

Don't underestimate 1 000 yuan, it's just a theoretical situation. However, there is still a lot of room for social security to rise, which is increasing every year. The final pension can vary from 1 1,000-2,000, or even more, with the benefits of appropriate age, years and types of work.

A person who has paid 15 years may only get 60% of the pension he has paid for 25 years.

Right to lifelong medical insurance

According to national regulations, the insured who has reached the age of 60 (female 55) can continue to enjoy medical insurance after retirement as long as they have paid the basic medical insurance for at least 25 years (female 20 years) and enjoy medical expenses reimbursement for life.

The medical expenses of the elderly are generally not cheap, often tens of thousands of yuan. According to the medical expenses of 1 0,000 yuan, you can apply for reimbursement 1, and the highest reimbursement ratio is 80%, that is, (1 0,000-1300)×80% = 6960 yuan.

This means that 10000 yuan of medical expenses, you only need to pay 3040 yuan.

Generally speaking, you have to pay social insurance for 25 years, which can provide you with a better quality of life, not to mention an extra pension.

How many old people are afraid to talk about their diseases? How many families have been dragged down by the rising medical expenses? Paying social insurance premiums for 25 years is not only a responsibility for yourself, but also a responsibility for families and children.