Do you know that five common senses about social security payment will not make social security pay for nothing?

After starting work, we will hear all kinds of news about social security in our lives. Social security is what we often call five risks, including pension, medical care, unemployment, work injury and maternity. For many newcomers in the workplace, many people still don't know much about the role of social security, so today I will tell you about the issue of social security payment.

First, it is illegal for companies not to pay social security.

In order to avoid paying social security, some companies replace social security contributions by raising wages, which may be a great temptation for people who don't understand social security. I believe that many newcomers in the workplace have encountered similar things. But, I want to tell you, don't be silly. If you take this advice, you will lose a lot.

First of all, social security payment is mandatory, and it is illegal for companies not to pay social security to employees. Employees can use legal weapons to safeguard their legitimate rights and interests. Secondly, social security payment can not only protect your current rights and interests, but also be of great help to the future pension; Finally, the social security fees paid by employees are borne by enterprises, and enterprises bear more costs, which will greatly reduce their payment pressure. Therefore, it is illegal for a company to refuse to pay social security for any reason.

Second, there are many conditions for receiving a pension.

To receive a pension, two conditions must be met. One is to reach the national legal retirement age. At present, the retirement age in China is 50 for female employees, 55 for female cadres and 60 for male employees. However, the proposal of "delaying retirement" was put forward in last year's Tenth Five-Year Plan, so the legal retirement age may change in the future. Another condition is that the accumulated endowment insurance reaches 15 years. Only when these two conditions are met at the same time can we receive a normal pension.

However, if you reach the statutory retirement age but the payment period is not enough, you can choose to postpone your retirement and extend the payment period to 15. If you don't pay enough after five years, you can pay the remaining fees in one lump sum. If the payment period is too short and you don't want to pay it back, it is better to transfer residents to support the elderly. Although the treatment is not as good as the employee pension, it is lifelong like the employee pension and can provide a good pension.

Third, the consequences of medical insurance payment are great.

After paying medical insurance for a certain number of years, you can also enjoy lifelong treatment. Usually, women can pay for 20 years and men can pay for 25 years. Specific provisions should be tailored to local conditions.

However, when paying medical insurance, it is best not to pay it off, otherwise you will not be able to enjoy medical insurance reimbursement from the next month, and the payment time is too long, and there will be a waiting period of 6 months before you can use it. If there are some accidents during the payment period, you will have to pay for it yourself, so try to avoid the gap period brought by medical insurance payment.

Fourth, it is useful for male workers to pay maternity insurance.

Some people say that it is a waste for male workers to pay maternity insurance because they don't need it at all. In fact, this understanding is wrong, although female employees can enjoy maternity medical expenses reimbursement and maternity allowance during pregnancy and childbirth. However, male employees who pay maternity insurance can get paid paternity leave when their wives are pregnant. If the wife fails to pay maternity insurance, she can also enjoy medical reimbursement with her husband's maternity insurance.

Fifth, you can get money after unemployment.

As long as you have paid unemployment insurance for one year before you lose your job, and you are unemployed because of your own wishes, such as being dismissed by a company or closing down a company, you can apply for unemployment insurance after registering for unemployment. It should be noted that the longer the unemployment insurance is paid, the longer it takes to receive it, and the longest it can be received for 2 years.