What are the consequences of not paying social security?

Social security, the full name of social insurance, is a national welfare policy that provides all kinds of basic guarantees for people's lives.

With the increasing popularity of national social security, the number of people participating in the five insurances, such as medical insurance, unemployment insurance, work injury insurance, maternity insurance and endowment insurance, is also increasing:

The national insurance registration information database was basically established. By the end of June 20 18, the number of social security card holders had reached11500,000.

Take the total population of 2139.5 billion in China as an example. As of 20 18, there are still 245 million people who have not participated in social security. Apart from the fact that newborns may not have time to participate in medical insurance, what are the reasons why these people did not participate in social security? What kind of life will you face in the future?

What are the reasons why people don't participate in social security?

In fact, not participating in social security can be divided into two categories:

First, I don't want to pay social security.

For a friend with a low monthly salary, it is really hard to maintain daily expenses. If social security is deducted, he may make ends meet. So, if he wants to pay social security, he can get more money.

Some people think that there is no need for medical insurance and old-age care in social security. They never think that they will get sick, doubt the use of pensions, and are not worried about their old age, so they have no incentive to pay social security.

There are still some friends who have no fixed jobs. They feel that it is not cost-effective to pay medical insurance and endowment insurance by flexible employment, and the monthly payment is too high.

Second, enterprises do not pay social security according to regulations.

According to Article 58 of the Social Insurance Law, the employing unit shall handle the social insurance registration for employees within 30 days from the date of employment.

If the enterprise fails to pay social security according to the regulations, it is actually illegal, and employees can safeguard their rights and interests through legal channels such as labor arbitration.

What losses do people who do not participate in social security face?

1. Current loss: hospitalization cannot be reimbursed by medical insurance.

Medical insurance can provide basic medical security, and in recent years, the medical insurance policy has been continuously improved, and the scope of drug use and reimbursement ratio are also expanding. You can look at the current medical insurance reimbursement ratio:

If there is no medical insurance, then there is no way to reimburse the medical expenses incurred by hospitalization, and it needs to be borne by individuals, or the allocated commercial medical insurance will be reimbursed in proportion.

No one can guarantee that he will never get sick if he eats whole grains. In addition, medical expenses are also rising year by year. Without medical insurance, even the most basic medical resources may not be enjoyed.

Take the epidemic situation in COVID-19 in 2020 as an example. The policy adopted by the state on the treatment cost in COVID-19 is:

■ Before the implementation of the financial subsidy, the medical expenses of people participating in the basic medical insurance, whether at home or abroad, will be reimbursed by the medical insurance in COVID-19, and they will not be borne by individuals.

■ People who participate in the basic medical insurance, whether at home or abroad, will bear the cost of treatment in COVID-19. With commercial insurance, it can be reimbursed according to the commercial insurance contract.

2. Future loss: no pension after retirement.

In social security, the most paid is endowment insurance. In response to the statement that "the payment of endowment insurance is useless, and the longer the payment period, the more wasteful it is", we have compiled the following data:

Two conclusions can be drawn. First, after retirement, you can receive a pension that exceeds the total payment in a short time. Generally speaking, if you retire for about 3 years, the total amount you receive can exceed the total amount you paid before. Second, the longer the payment period, the more pensions you can receive.

3. Probability event losses: childbirth, unemployment and work-related injuries.

The problems of medical care and old-age care can be said to be inevitable for everyone, while childbirth, work injury and unemployment may not be inevitable for everyone, but there are certain chances.

Maternity, work injury and unemployment insurance in social security provide protection for these probability events. Take work-related injury insurance as an example. If it is recognized as a work-related injury, it can be guaranteed in three aspects: work-related injury treatment, work-related injury disability and work-related injury death:

4. Things that money can't solve: settling down, buying a car, buying a house, etc.

If a friend says that all the above things can be solved with money, then social security will have functions that money can't solve: in some cities, things such as settling down, studying and buying a house are linked to social security, and you can't do it without paying social security and paying for a certain number of years.

Social security includes pension, medical care, unemployment, maternity and work injury, covering most of our lives. Moreover, with the continuous improvement of social security policies, the payment base has also increased in the past two years. Don't worry about getting paid less, because the company's five insurance costs have also increased accordingly, and the beneficiaries of overpayment are the insured after all.