If I had known these five social security knowledge, I wouldn't have suffered. Do you know what this is?

With the popularization of social insurance system, social security has penetrated into the life of every migrant worker, and people pay more and more attention to the existence of social security. But in fact, many people just talk about the five risks of social security, and they know little about social security. Whether it is social security payment or social security welfare, it is actually closely related to our vital interests and affects our money bags. Therefore, we must know these things about social security as soon as possible.

First, voluntarily give up paying social security?

Now, many people are dissatisfied with their wages. If they pay social security, they will only get less money in the end, causing many people to give up paying social security. In order to reduce labor costs, many employers are usually reluctant to pay social security for their employees. After all, the company has to spend a lot of extra money. Some companies will negotiate with employees to avoid paying social security fees in the form of increasing wages, and even require employees to sign an agreement to voluntarily give up social security. If you encounter a situation like this in the workplace, don't compromise, because social security contributions are compulsory by the state and protected by law. Whether you like it or not, as long as there is a labor relationship between the two parties, you must pay social security. There is no such thing as giving up voluntarily.

Second, it is best not to pay social security after leaving the company.

The risk of social security withholding when changing jobs will affect the enjoyment of social security benefits, such as not being able to enjoy medical insurance reimbursement, affecting the collection of unemployment insurance and maternity allowance, affecting the accumulation of pension insurance and medical insurance payment years, and even affecting people buying houses, cars, going to school and settling down.

Third, there are two ways to avoid withholding social security.

If you don't want to stop paying social security during the gap period when you are looking for a job, you might as well try these two methods: one is to pay for flexible employment, but this method can only pay endowment insurance and medical insurance, and all the expenses need to be paid by yourself, that is, the money paid by the original enterprise should be borne by itself. Second, choosing a company to pay social security can not only pay the five insurances, but also pay the provident fund, but all the expenses are also borne by yourself. Plus the service fee for handling the formalities, it is still very high on the whole, and there are certain risks in paying social security by agents. If it is not handled through formal institutions, it is likely that the loss will outweigh the gain.

Fourth, there are four situations in which you can't receive a pension.

After the social security contribution reaches 15, you can receive a monthly pension after reaching the legal retirement age. However, you can't get a pension in the following four situations:

First, there is no qualification certification for participating in pensions in time;

Second, there is no exit residence registration;

Third, missing for more than half a year;

Fourth, those who have been sentenced or re-educated through labor;

Fifth, the new function of social security card.

In recent years, the country is carrying out social security card service, and the use of social security cards is more and more extensive. Don't just use it as a medical insurance card. Now, in addition to medical insurance accounts, social security cards also have financial accounts. This account can not only receive a pension, but also be used as a bank card. Shopping by credit card and online transfer can be realized, which is very convenient, but you must remember to activate the financial account in the bank first.