Should social security be paid?

Legal analysis: Article 1: The income from social security payment is not low.

Many friends think that paying social security losses is because everyone thinks that the income is too low after the money enters the social security account. It is better to take it out and deposit it in the bank for a fixed period, or buy a bank to manage money.

However, it should be noted that in April last year, the Ministry of Personnel issued a notice to raise the national social security personal account rate of return to 8.3 1% per annum.

What is the concept of annualized 8.3 1%?

Internet financial management, now the general income is relatively high, with an annualized income of more than 8 points.

Therefore, the annualized rate of return of 8.3 1 is really not low, which may be more than our own investment and financial management.

The second is a fixed source of income.

Some friends think that the annualized income at 8 o'clock is still low, and it is not.

After we retire, the old-age insurance is to collect personal accounts first, and then collect social pooling.

For example, if you retire at the age of 60, the calculated number of months is 139 months (1 1 8 months), that is, if you are a little over 7 1 year old, you can get the money from your personal account.

Even if the money is white-collar, the longer you live, the more you earn.

The key is that no one knows how long they can live, so the old-age insurance covers the risks when we are alive. From a medical point of view, the average life expectancy of people is getting longer and longer. When we reach the age of 80 or 90, it is a good thing to have a fixed source of income every month.

Third, in addition to endowment insurance, there is also medical insurance in social security.

Only by paying social security can you enjoy medical insurance benefits. The situation in cities is different. After paying a certain number of years, you can enjoy lifelong medical insurance, which has always been with us.

Legal basis: Article 2 of the Social Insurance Law of People's Republic of China (PRC), employers and individuals shall pay social insurance premiums according to law. The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.