What's the use of social security four insurances?

Insurance Bian Xiao helps you answer, and more questions can be answered online.

Many people have this experience. It was originally 5000 yuan a month, but after paying five insurances, one gold and one tax, there was only 4000 yuan left. Therefore, they hate social security and think that social security is useless, just making their income less. Some people even take the initiative to ask the unit not to pay five insurances and one gold. Is it useful to have five insurances and one gold social security?

First, social security can pay less taxes.

First of all, five insurances and one gold are tax-free. For those who earn 5000 yuan, the personal income tax rate is 15%. If the company can pay five insurances and one gold according to the full salary, 400 yuan will pay 8% of the endowment insurance, 100 yuan will pay 2% of the medical insurance, and 50 yuan will pay 1% of the critical illness medical insurance. Then the tax saved is: 900* 15%= 135 yuan.

Second, in fact, most social security is not paid for free, and in the end it is all your own. For individuals, apart from a little cumbersome procedures and no economic losses, not only the money paid can be returned, but also more income can be obtained.

1. Housing accumulation fund

Most people know that it is good to pay the provident fund, because it can be taken out after buying a house loan, and because the company has to pay as much provident fund as itself, if it is paid to 400 yuan, it will get 400+400=800 yuan. This money can be taken out every quarter, even if you don't buy a house, you can finally return it to you in other ways, and it will be your own sooner or later.

2. Pension

Individuals give 8% of the pension, and the unit gives you 20%. After a certain period of pension payment, you can receive a pension after retirement. Even if it is not enough, it can be refunded to you according to the amount you paid. There is always no loss.

3. Medical insurance

Medical insurance is so important that young people don't realize it, because they will say: I don't go to the hospital once a year. But everyone will get old. When they get old, all kinds of problems will come out. Just look at our parents.

To make matters worse, too many people suffer from serious diseases, not to mention cancer. The uremia I know alone will cost about 65,438+10,000 yuan a year, which is enough to paralyze an ordinary family. So it can be said that it is best not to get sick. Once sick, people without insurance seem to be abandoned by the world.

To our advantage, medical insurance actually costs us nothing at all. The medical insurance paid in the current month will be transferred to our personal account in the form of passbook or medical card. From Beijing's point of view, the money returned is a little more than what we paid. If you pay medical insurance, you will not be afraid of serious illness. Because of the national guarantee, you don't have to pay it after retirement, and it is also free medical care. Then why don't we pay?