Who can't buy social security?

1, foreigners (excluding German nationality and Korean nationality) and Hong Kong, Macao and Taiwan personnel;

2. Re-employment of retired and resigned personnel;

3. College students who participate in labor practice;

4, contracting this unit engineering or transportation business, etc. The labor force is not directly organized by the unit, such as rural porters and construction team personnel;

5. Recruiters who have not terminated their labor relations with their original units due to reasons such as suspension of production, long vacation and laid-off.

The maximum age limit for participation is 60 years for men, 50 years for female employees and 55 years for cadres. Those who exceed these conditions cannot be insured. Of course, this is only a theoretical age limit. In practice, no one will be stupid enough to retire before joining the insurance. This is because at present, our retirement policy requires accumulated contributions 15 years to enjoy the pension benefits of employees. If we are insured for the first time at this age, it must be too much money. According to the current retirement ages of 60 for men and 50 and 55 for women, it is of little significance for men to participate in insurance after 50, and it is inappropriate for women workers to participate in insurance after 40 and cadres to participate in insurance after 45. That is, for the first time, men are 50 years old and women are 45 years old.

Content of social insurance

Social insurance includes basic old-age insurance, basic medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

1, basic old-age insurance: the proportion of enterprise contributions is generally about 20% of the total wages of enterprises, all of which are included in the social pooling fund. The employee's contribution rate is 8% of his salary, all of which are included in his personal account.

2. Unemployment insurance: The employer pays unemployment insurance premium at 2% of the total wages of the employer, and the employees of the employer pay unemployment insurance premium at 1% of their wages.

3. Basic medical insurance: Employers generally pay about 6% of the total wages of employees, and individuals pay 2% of their own wages. All individual contributions are included in the personal account, about 30% of the employer's contributions are included in the personal account, and the rest are used to establish the overall fund.

4. Work-related injury insurance: Work-related injury insurance premiums are paid by enterprises, and the industry differential rates are implemented. The collection standard is the total wages of all employees of the enterprise multiplied by the industry differential rate. At present, the average industrial injury insurance premium rate generally does not exceed 1%.

5. Maternity insurance: The maternity insurance premium paid by the enterprise shall not exceed 1% of the total wages.

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

Legal basis: Article 3 of the Labor Law of People's Republic of China (PRC) stipulates that workers enjoy the rights of equal employment and occupation selection, remuneration, rest and vacation, occupational safety and health protection, vocational skills training, social insurance and welfare, submission of labor dispute settlement and other labor rights stipulated by law. Laborers should complete labor tasks, improve their professional skills, implement labor safety and health laws and regulations, and observe labor discipline and professional ethics.