What is the current situation of social security payment? Why don't people pay social security?

At present, China's social security coverage rate is at least 95%. Therefore, there are still a few people who do not pay social security. There are four main reasons for not paying social security: first, the cost of personal insurance is too high, and economic conditions are not allowed; Second, it is not bad money, and there is no plan to support the elderly with pensions; Third, they lack confidence in the life expectancy of individuals and think that they can't recover their capital; Fourth, I have no conditions to pay social security, and I can't pay if I want to. Let's separate the problems and analyze them in detail, hoping to help everyone!

First, the status of China's social security contributions

On February 28th, 20021,the data in the Statistical Bulletin of National Economic and Social Development in 2020 issued by the National Bureau of Statistics appeared:

1. There are 990 million people participating in the old-age insurance in China. Among them: 450 million people participated in the basic old-age insurance for urban workers nationwide; 540 million people participated in the basic old-age insurance for urban and rural residents.

2. The number of participants in China's basic medical insurance is 65.438+36 billion. Among them, 340 million people participated in the basic medical insurance for employees; The number of people participating in the basic medical insurance for urban and rural residents was 654.38+0.02 billion.

3. The number of people participating in unemployment insurance is 2170,000.

426.7 million people participated in industrial injury insurance. Among them, 89.34 million migrant workers participated in industrial injury insurance.

523.5 million people participated in maternity insurance.

According to the above data:

1. Judging from the number of people participating in endowment insurance, the participation rate of endowment insurance in China is around 70%. If retirees and/kloc-people under the age of 0/6 are excluded (estimated to be about 250-350 million), the participation rate of endowment insurance in China is at least above 95%.

2. Judging from the number of medical insurance participants, China's medical insurance participation rate is above 97%.

Second, why do some people not pay social security fees?

1. The cost of individual insurance is too high, and economic conditions do not allow it. Taking the payment of employee pension insurance as an example, the individual insured group needs to bear 20% of the payment cost. Even if you choose to pay according to the lower limit (60%), it is assumed that the full-scale unified salary is 5,000 yuan, the payment base (60%) is 3,000 yuan, and the monthly pension insurance payment is 7,200 yuan in 600 yuan. For sensitive employees who have no fixed jobs and income sources, the burden of payment is still relatively heavy.

2. Not bad money, no plan to support the elderly with pension. There are still some people who have superior economic conditions and have no worries about food and clothing, so they don't have to worry about providing for the elderly. For this local group, there is no hope to protect their old age through pensions.

3. Lack of confidence in one's life span, thinking that one can't recover capital. Although the average life expectancy in China is 77 years old at present, many people lack confidence in their life expectancy and think that paying social security is a loss-making business. In particular, the delayed retirement is coming, and they would rather choose to provide for the elderly with housing and financial management than pay social security.

I have no condition to pay social security, and I can't pay it if I want to. There are certain conditions for paying social security. People and minors who receive pensions over the statutory retirement age cannot pay social security. Therefore, regarding this local group, even if they want to pay, they do not have the conditions to pay social security.

Write at the end:

1. Social insurance mainly guarantees people's basic life. Let more people enjoy pension, medical insurance and other insurance benefits. Therefore, I suggest that everyone pay if they can.

2. Regarding sensitive employees, the burden of social security payment is really heavy. However, the state has policies of 4050 and 4959, and qualified personnel can declare independently to reduce the pressure of individual payment.

3. At present, the pension gap of retirees is still relatively large, with high institutions and low sensitive employment. This is also one of the reasons why people are unwilling to pay social security fees.

4. If the proportion of sensitive employees can be appropriately reduced in the future, and the pension can be adjusted in the way of "the high one keeps a low profile and the low one keeps a high profile" to gradually narrow the gap between pensions, I believe more people will pay social security fees.