Delayed retirement hasn't arrived yet. Why do so many people interrupt pension insurance?

It is reported that the coverage rate of the old-age insurance system is 89%, and 1 100 million people are not included in this range, and the problem of "interruption" of old-age benefits is serious. Not included are mainly flexible employees and employees of small and medium-sized enterprises. Under the background of serious interruption of social security payment, it is a long way to go to basically achieve full coverage of old-age insurance.

So what are the general reasons for the "interruption" of social security?

First, the connection between social insurance regions in China is not perfect. Due to the low level of social security co-ordination in China, the transfer between regions is not smooth, and the transfer of employees from different places may "interrupt" social security contributions; The incentive and restraint mechanism of insurance payment needs to be further improved, and the policy of "accumulated payment for fifteen years" can not effectively encourage individual industrial and commercial households and other flexible employees to continue to pay.

Second, the problem of the unit, the willingness and ability of the unit to pay fees are different. According to the relevant data disclosure, in 20 15 years, 2.07% of the units in the country have not yet achieved full participation in insurance, 17.79% of enterprises failed to apply for social insurance in time, and nearly 62% of enterprises "reduced the payment standard". And some units with the ability to pay will choose to avoid paying insurance. Some enterprises and individuals have formed a tacit understanding before, and the situation that individuals pay low-income insurance for enterprises is also allowed by default.

Third, some insured people are not willing to participate in insurance, and feel that they are very young and have no long-term planning. Social security payment means that the current consumption is reduced, and some insured people may choose to "interrupt" payment in order to maintain the current consumption level. Unemployed people lack stable income, and individual industrial and commercial households, flexible employees, migrant workers and other groups are also facing the problem of stable income. Even if they have the will, these people are often constrained by their ability to pay.

China's social security payment consists of variables such as payment salary, payment base, payment upper and lower limits, and payment rate. Among them, the base of payment is determined by the average social wage and the upper and lower limits of payment, and the upper and lower limits of social security payment are generally 60% and 300% of the average social wage. Therefore, for employees, if the wage income is between the upper limit and the lower limit of payment, the payment base is wage income; If the wage income is lower than the lower limit or higher than the upper limit, it will be paid according to the lower limit or upper limit respectively.

To sum up, the full coverage of endowment insurance has a long way to go. No matter what the reason is, I hope everyone can pay attention to the old-age insurance. Because many young people choose to abandon insurance now, I hope everyone will seriously consider it. At present, the monthly salary is deducted by several hundred yuan, which may be because I bought one less dress that month, but when I get old, my pension is a hope.

It is reported that the coverage rate of the old-age insurance system is 89%, and 1 100 million people are not included in this range, and the problem of "interruption" of old-age benefits is serious. Not included are mainly flexible employees and employees of small and medium-sized enterprises. Under the background of serious interruption of social security payment, it is a long way to go to basically achieve full coverage of old-age insurance.

So what are the general reasons for the "interruption" of social security?

First, the connection between social insurance regions in China is not perfect. Due to the low level of social security co-ordination in China, the transfer between regions is not smooth, and the transfer of employees from different places may "interrupt" social security contributions; The incentive and restraint mechanism of insurance payment needs to be further improved, and the policy of "accumulated payment for fifteen years" can not effectively encourage individual industrial and commercial households and other flexible employees to continue to pay.

Second, the problem of the unit, the willingness and ability of the unit to pay fees are different. According to the relevant data disclosure, in 20 15 years, 2.07% of the units in the country have not yet achieved full participation in insurance, 17.79% of enterprises failed to apply for social insurance in time, and nearly 62% of enterprises "reduced the payment standard". And some units with the ability to pay will choose to avoid paying insurance. Some enterprises and individuals have formed a tacit understanding before, and the situation that individuals pay low-income insurance for enterprises is also allowed by default.

Third, some insured people are not willing to participate in insurance, and feel that they are very young and have no long-term planning. Social security payment means that the current consumption is reduced, and some insured people may choose to "interrupt" payment in order to maintain the current consumption level. Unemployed people lack stable income, and individual industrial and commercial households, flexible employees, migrant workers and other groups are also facing the problem of stable income. Even if they have the will, these people are often constrained by their ability to pay.

China's social security payment consists of variables such as payment salary, payment base, payment upper and lower limits, and payment rate. Among them, the base of payment is determined by the average social wage and the upper and lower limits of payment, and the upper and lower limits of social security payment are generally 60% and 300% of the average social wage. Therefore, for employees, if the wage income is between the upper limit and the lower limit of payment, the payment base is wage income; If the wage income is lower than the lower limit or higher than the upper limit, it will be paid according to the lower limit or upper limit respectively.

To sum up, the full coverage of endowment insurance has a long way to go. No matter what the reason is, I hope everyone can pay attention to the old-age insurance. Because many young people choose to abandon insurance now, I hope everyone will seriously consider it. At present, the monthly salary is deducted by several hundred yuan, which may be because I bought one less dress that month, but when I get old, my pension is a hope.