Should you pay Flexible Employment Social Security for people who don't earn much?

Should you pay flexible employment social security for people who don't earn much?

There are many groups of flexible workers who don't earn a lot of money. That way they all look as if they are very hesitant in picking the issue of paying social security. And is also quite worried, in the end to pay these personal social security it, if said not to pay social security will bring their own how a negative impact, if the payment of social security they are still unable to afford this economic development expenditure should do? It seems to be a dilemma for many low-income groups, especially those who do not have a fixed work unit.

Actually, I'm proposing that we should do everything we can to pay our social security contributions. As the first social security is the most basic guarantee, so to speak, this is to ensure that we have a minimum standard. What does it mean, that is to say, social security is to allow us to get a monthly pension insurance treatment key standard, of course, this social security pension is not all of us, but is also the most basic one to ensure that if you even this most basic one to ensure that you can not have, then it is obvious that we will be in the late years of life after the retirement after life and how to live it?

So we think about the problem from this point, in fact, social security should be social security, natural low income, which is a hard requirement is difficult to eliminate, but at least we have to find a way to deal with such a difficult problem. I think for the low-income groups, there are the following aspects are able to consider optimization and to consider as appropriate.

The first major area is that, in the process of participating in pension insurance and employee health insurance, that can actually give up, employee health insurance to pay social security. Employee medical insurance, for many low- and middle-income groups, is definitely the economic burden is very big, because according to the flexible way to pay for social security, so each year at least in the 3,000 yuan to 6,000 yuan, that continues to be a level of payment. If you don't go to participate in the employee medical insurance, you can go to participate in the urban and rural residents medical commercial insurance, then the annual contribution must be only two to three hundred dollars is enough, in that case also for their own save a large amount of economic development expenditure.

Naturally, we can normally experience the health insurance cost reimbursement treatment, because the residents of the health insurance can also be reimbursed, but the health insurance reimbursement ratio compared to the employee health insurance will be a little lower, it should be 50%, the employee health insurance health insurance reimbursement ratio is about 70% of the next, so the reimbursement will be relatively small, but at the same time, their own payment costs in fact, is also The fact is that the cost of the program is much lower.

Another level is that you choose to participate in the process of pension insurance, as far as possible to ensure that their own financial resources can meet the premise of normal contributions, if it is not possible to contribute to the temporary abandonment of a period of time is possible, because you only need to meet the minimum 15 years of contributions on the line, so that in the future you can be a monthly pension insurance benefits.

There is also a more important point is that the distance between the retirement age is not enough 5 years of the group, must not terminate the payment of social security wages, after all, for this type of group and in this time period, then we are able to enjoy the social security subsidy wages, so in fact, for the social security subsidy wages, we should not give up this 5 years of social security contributions, so must To find a way to must complete the final 5 years of social security contributions, and then experience the premise of social security subsidies, the cost of their own payment will be relatively low.