Is it necessary to pay social security in full?

Whether it is necessary to pay social security in full depends on personal circumstances.

1. You can get medical care and old-age security by paying social security at your own expense, but you have to bear all the expenses;

2. Only part of the expenses will be deposited into the personal account, and the expenses and interest in the account will be refunded upon death;

3. Social security, as a national system, guarantees the needs of citizens under special circumstances;

4. If no unit pays social security, it can be affiliated with the unit, pay social security for flexible employees or participate in social security for urban and rural residents;

5. Consider the economic burden at your own expense.

The role and influence of social security;

1, security function: social security provides basic living security for the insured, such as pension and medical insurance.

2. Risk dispersion: social security reduces the risks and burdens faced by individuals through collective sharing;

3. Promoting employment: the social security system can enhance the sense of employment security of workers and promote social stability and employment;

4. Economic adjustment: the income and expenditure of social security funds have a certain adjustment effect on the national macro-economy;

5. Social equity: Social security embodies the spirit of social mutual assistance and helps to narrow the gap between the rich and the poor.

To sum up, although individuals can get medical care and old-age security by paying social security in full, considering the economic burden, the ownership of personal account funds and the national security role of social security, whether to participate in insurance at their own expense should be comprehensively judged according to personal economic situation, security needs, whether there is a unit to pay, etc., and at the same time, you can choose to affiliated units or participate in other forms of social security.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require 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.

Article 86

If the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay it within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.