The sooner social security is paid, the better.

The sooner you participate in social security, the better, because whether it is based on the principle of paying more pensions or the principle of continuing to pay social security when you reach the age of receiving pensions, it is recommended to pay early and pay early! Because the aging is becoming more and more serious, the state's support for the endowment insurance fund is growing. At present, the dependency ratio of old-age insurance is 2.66: 1, but in fact, the ratio between the insured payer and the actual pensioner is far from 2: 1. The state is equivalent to subsidizing employees' basic pension 1 trillion every year.

1, enjoy social security benefits.

Although the benefits of old-age insurance can only be enjoyed after retirement, medical insurance and work-related injury insurance can be enjoyed the next month after social security payment. After paying maternity insurance for one year, you have the first condition for reimbursement of maternity expenses. Unemployment insurance has been paid for more than one year, and unemployment insurance benefits can be collected after unemployment. The longer the payment time, the longer the collection time. Therefore, the sooner you pay social security, the sooner you can enjoy social security benefits.

2. The more pension insurance you receive.

The amount of pension is not only related to the payment base of endowment insurance, the average social level at retirement and other factors, but also related to the payment period of endowment insurance. Paying social security in advance can increase the cumulative payment period. The longer the payment period, the longer it takes to receive the pension and the more the amount. If you wait until you are 40 or 50 years old, you can only pay 15 years, and you may not even pay the full amount.

The social security contribution ratio is as follows:

Endowment insurance: 20% for the unit and 8% for the individual (self-paid into the personal account);

Medical insurance: unit 10%, individual 2% (paid into personal account);

Unemployment insurance: unit 1.5%, individual 0.2%;

Work-related injury insurance: 0.5-2% for the unit, not paid by the individual;

Maternity insurance: the unit is 0.8%, and the individual does not pay.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 1 This Law is formulated in accordance with the Constitution for the purpose of regulating social insurance relations, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to share the fruits of development and promoting social harmony and stability.

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.

Article 4 Employers and individuals in People's Republic of China (PRC) shall pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.