The unit asked me if I should pay social security. What is social security? Should I pay social security?

Social security is the abbreviation of social insurance. It is a basic social security system established by the state through legislation. The purpose is to enable workers to temporarily or permanently lose their working ability and employment due to old age, illness, disability, unemployment, maternity and other reasons, and to obtain economic compensation and material help from the society (state) when they or their families lose their source of livelihood, so as to ensure their basic livelihood. Social insurance is basically a kind of national welfare.

Social security includes pension, medical care, work injury, unemployment and maternity. Another kind of provident fund is only available in some units.

Payment method of employee social security: (Work-related injury, unemployment and maternity insurance need not be paid by individuals, but are all paid by the unit).

There are two accounts in social security: 1 and social (national) overall account; 2. Personal account.

Unit payment standard:

1, 12% of personal salary (social security contribution base) goes into the pension pooling account (20% of state-owned enterprises).

2. 8% of personal salary (social security contribution base) goes into the medical pooling account (this ratio will change, and a small part of it used to go into the personal account, but now it seems to be gone).

Individual payment standard:

1, 8% of personal salary (social security contribution base) goes into personal pension account.

2. 2% of personal salary (social security contribution base) goes into medical personal account (this ratio will change).

Social security enjoys two necessary conditions:

1, minimum accumulated payment 15 years (you can pay more years or more)

2. Must reach retirement age: men are generally 60 years old and women are generally 55 years old; The retirement age of special jobs is different, but there are regulations.

Meet the above two conditions: you can enjoy retirement pension and retirement medical insurance when you retire (note: medical insurance before retirement, buy for one year, guarantee for one year, cumulative limit, you don't have to pay after 10 years, and then you can enjoy medical insurance, and some places stipulate different years).

Calculation method of receiving pension: both the overall account and the personal account are collected at the same time.

Monthly collection standard of the overall account: collect the average salary of the whole province in the previous year (which will change every year)+social security payment base (after the fixed number remains unchanged, divide it by 2 to take the average value and then multiply it by 15% (one year 1%, general year 15%, 20 years).

Personal account: when you retire at the age of 60, your personal account can only receive 139 months (how many months can you receive when you retire). In other words, dividing the money in personal account by 139 months is the money received every month.

Then the pension will receive money every month: the overall account+personal account is the pension (generally, the personal account can receive eleven years or two or more, and after receiving the personal account, it will be gone, and then the overall account will receive it until it dies of old age. )

Medical insurance: (when seeking medical treatment, there are different levels of hospitals, and the first, second and third levels are the best hospitals)

Take Guangzhou Standard as an example.

On-the-job medical care:

First-class hospital: 400 yuan is free of compensation, and 90% of the excess is reimbursed.

Second-level hospital: 800 yuan is free of compensation, and 85% of the excess is reimbursed.

Level III hospital: 1600 yuan is free of compensation, and 80% of the excess will be reimbursed.

See a doctor after retirement:

First-class hospital: 280 yuan is free of compensation, and 93% of the excess is reimbursed.

Second-level hospital: 560 yuan is free of compensation, and the excess is reimbursed by 89.5%.

Level-III hospital: 1 120 yuan is exempt from compensation, and the excess is reimbursed by 86%.

(Note: Self-funded drug social security is not responsible for reimbursement)

Medical insurance is similar everywhere. That's all. I can't describe all the details