Why is social security more expensive every year?

Because the base of social security price increase is rising, the cost of social security will increase, and the payment base of social security should be determined according to the local average wage. But generally speaking, the proportion of social security price increase that employers need to bear is generally greater than that of individuals.

1. Why does social security increase in price every year?

Because the base of social security is increasing every year, social security premiums will also increase.

1. Pension insurance

(1) endowment insurance for government agencies and institutions. The proportion of basic old-age insurance payment is 20% for the unit and 8% for the individual; The proportion of occupational annuity payment is 8% for the unit and 4% for the individual.

(2) Endowment insurance for enterprise employees. The payment ratio is 18% for the unit and 8% for the individual; The proportion of individual and flexible employees is 20%.

(3) Old-age insurance for urban and rural residents: the payment standards are set at 100 yuan, 300 yuan, 500 yuan, 600 yuan, 800 yuan, 1000 yuan, 1500 yuan, 2,000 yuan, 2,500 yuan, 3,000 yuan, 4,000 yuan and 5,000 yuan per year. Among them, the grade of 100 yuan is only suitable for the lowest choice of severely disabled people and other groups with payment difficulties.

2. Medical insurance

(1) The contribution rate of medical insurance for urban employees is 7% for the unit and 2% for the individual (the unit contribution of flexible employees shall be borne by the individual); Large medical assistance every year 120 yuan, in which each unit pays 6 yuan and each individual pays 4 yuan (the part paid by the flexible employment unit shall be borne by the individual).

(2) Medical insurance for urban residents: 20 16 years, and the individual payment standard is 140 yuan.

3. Work injury insurance

Institutions and institutions take the total wages of their employees as the base, which are paid by the unit in proportion, and individual employees do not pay; All kinds of enterprises directly under the municipal government are divided into eight grades, which are paid according to the proportion of-,with the total wages of their employees as the base, and individuals do not pay.

4. Unemployment insurance

The contribution ratio of government agencies and institutions is 1% of the maternity insurance for units and individuals.

The proportion of maternity insurance paid by enterprises is that individual employees do not pay; The proportion of maternity insurance paid by government agencies and institutions is that individual employees do not pay.

Second, what are the advantages of social security management?

1, the benefits of old-age insurance

(1) The concepts of providing for the aged and self-protection have been replaced by the old concepts of raising children to prevent old age and family insurance. This is conducive to increasing people's insurance awareness and establishing new concepts.

(2) It is conducive to the implementation of the family planning policy. When it has become unnecessary to raise children and prevent old age, people's desire to raise children and prevent old age has rapidly weakened, which is conducive to reducing population pressure and facilitating prenatal and postnatal care.

(3) It is conducive to the coordination of intergenerational relations. Implementing self-care for the elderly can reduce the financial burden of supporting the elderly, especially for the one-child families and the elderly in their later years, and can also maintain relative economic independence without excessive dependence on children, which is conducive to establishing a new type of parent-child intergenerational relationship.

2. Benefits of medical insurance

(1) You can have health insurance easily without spending money.

(2) For outpatient treatment above the deductible line, medical expenses can be reimbursed according to the prescribed proportion;

(3) If the expenses during hospitalization are above the deductible line, a large proportion of medical expenses can be reimbursed according to regulations;

(4) In case of accidental injury, serious illness or chronic disease, long-term medical expenses will bear a large part of the burden of medical insurance, reducing personal economic pressure.

3. Benefits of industrial injury insurance

(1) can better safeguard the legitimate rights and interests of disabled workers.

(2) It can reduce the burden on enterprises. If employees do not participate in industrial injury insurance, once an industrial accident occurs, the enterprise will bear the medical expenses, disability subsidies, disability allowances and many other expenses brought by employees' industrial injuries. In the event of a major safety accident, some small enterprises or enterprises with relatively poor benefits will often be unable to compensate for an industrial accident, and some enterprises will feel unsustainable or even forced to stop production.

4. Benefits of unemployment insurance

Unemployed people who meet the corresponding conditions can receive unemployment benefits. During the period of receiving unemployment benefits, they can reimburse some medical expenses or attend local job fairs for free.

5. Benefits of maternity insurance

Female employees who meet the corresponding conditions can be reimbursed for part of the expenses incurred due to childbirth.

To sum up, social security can be paid by individuals or units, but no matter who pays, the base of social security will be determined according to the average salary of the year, which means that social security will rise every year, but if the base is reduced, the payment of social security will also be reduced, so the standard of payment will be different under different circumstances.