What are the benefits of personal social security?

Social insurance is a social security system in which the state legislates and the society centrally sets up funds, so that workers can get compensation and help from the state and society in cases of old age, illness, work injury, unemployment and maternity.

Social security can get the following benefits:

1. Part of the monthly expenses paid by employees' medical insurance are included in personal accounts. Take the medical insurance card, go to the pharmacy to buy medicine, go to the hospital clinic, have a physical examination and get a vaccine, and you can directly brush the money in this personal account.

2. Maternity insurance reimbursement and maternity allowance: whether it is social security for residents, flexible employees or employees, as long as they pay a certain number of years, maternity medical expenses related to birth check-ups and childbirth can be reimbursed by medical insurance;

3. Work-related injury insurance: As long as this work-related injury insurance is paid normally, if the work-related injury is treated, the treatment expenses incurred can be reimbursed;

4. Unemployment benefits: On the premise of paying unemployment insurance for one year, if employment is involuntarily interrupted, such as being dismissed or laid off by the company, you can apply for unemployment benefits. How much you can get is related to the payment period. The longer the payment period, the more you receive;

5. Pension: As long as you pay 15 social security and reach retirement age, you can go through retirement procedures to receive a pension. The more you pay, the longer you pay, and the more pensions you receive.

First of all, two basic benefits of social security

1, medical insurance reimbursement

Let's talk about the two most common situations:

I fell ill a while ago and was hospitalized for more than half a month. I spent more than 40 thousand on medical expenses. If I don't pay social security, I have to pay all the money myself.

Aunt Wang next door, who is over 50, is still working hard at the retirement age, because she has not paid social security and has no pension every month. If you have problems with social security, illness and pension, don't worry. Regardless of serious illness or minor illness, medical insurance can report part of it.

Take Shenzhen as an example, if you are hospitalized, you can report 90%, with a maximum of 1.76 million. At that time, you spent more than 40 thousand yuan on medical expenses, and finally only spent more than 6000 yuan.

Anyway, medical insurance should be paid regardless of the elderly, children, students or office workers. Moreover, the friends who pay employee medical insurance are generally men for 25 years and women for 20 years. After retirement, they don't have to pay any more money, and they can enjoy medical insurance benefits for life.

This is very powerful. The specific payment period varies from place to place. I summarized a table:

Step 2 get a pension

As for providing for the aged, as long as you pay a total of 15 years, you can receive a monthly pension after retirement until your death.

The more money you paid in the past, the longer you paid, and the more money you got after retirement, and the money will rise every year. Pensions in China have been rising continuously 16 years. /kloc-a friend who retired more than 0/0 years ago may only get eight or nine hundred a month. Up to now, they can get two or three thousand a month. This year's pension increase window has also been opened, and it is about to usher in the increase of 17. Retired friends can look forward to it.

These are the two most important benefits brought by social security. Whether you have a job or not, you must have medical insurance and old-age care. If you have a job, the company will give it to you. Those who have no jobs can pay medical insurance and pension for employees as flexible employment, and they can also pay medical insurance and pension for residents.

Second, the benefits of office workers paying social security

Next, remind friends who go to work that social security must be paid well! As long as we sign a labor contract with the company, the company is obliged to pay social security for us, and there will be wages during the probation period.

Take Shanghai for example: every month, we pay 1000, and the company pays almost 3000. These money and benefits are ultimately our own! If you don't pay, you'll lose a lot! What's more, as office workers, social security not only provides us with medical insurance and pension, but also provides us with maternity, work injury and unemployment protection.

Childbirth: Everyone will be a parent one day, and working mothers can directly report the delivery expenses.

During maternity leave, you can also receive tens of thousands of maternity allowances. The higher the salary, the longer the maternity leave and the more money you get. Anyway, with maternity insurance, giving birth to a baby basically doesn't cost money, and Bao dads also have 7- 15 days of paid paternity leave. Such a comprehensive guarantee, as a treasure dad in the workplace, is a pity to miss it.

Industrial injury insurance: simpler. As long as you are injured at work or have a traffic accident on your way to and from work, industrial injury insurance can compensate us.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance 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.