Why is social security divided into first, second and third grades? What's the difference?

With the growth of age, our bodies will certainly not be as energetic as when we were young, so in the process of going to work, we will attach great importance to personal medical and social security issues. If we reach a certain age, we will consider retirement, and the social security paid every month has become an important guarantee for our retirement.

If you don't pay social security at all during your work, you can only live on your previous savings after retirement. Moreover, we have long heard that different social security gears will get different feedback, so what are the specific gears and what is the difference?

The reason why social security is paid in several different stalls is mainly because of the differences in economic level and living conditions of different social classes. If social security is paid according to a unified standard, for some poor people, the money will not only fail to provide them with security, but may become a burden on their lives. Therefore, the state will provide us with these flexible social security payment units, which can be screened according to our different situations. For example, those newcomers who have just entered the society can pay the minimum social security, and then gradually increase the contribution ratio after they have a more stable job with promotion and salary increase in the future.

According to China's social average index, the lowest social security payment unit needs to pay 40%, 1 file 60%, the second file 80%, and the third file is the most, and it needs to pay 100%. Suppose last year's average salary was 3,500 yuan, and you choose to pay the social security of the second unit. You are an enterprise employee, so you need to pay 8. The social insurance fee consists of five small parts, the lowest level almost needs to pay 550 yuan, and if it is shared with the company, it will be halved, while the highest level needs to pay nearly 1 000 yuan.

So from here on, each gear is similar, about 100 yuan. If conditions permit, you can try to pay more social security fees. If your company's salary is low, you'd better discuss it with your company. If you can afford it, you should think more about your future retirement.

After all, the social security fee is very similar to the money you deposit in the bank. Although the return ratio of this investment is not particularly large, it plays a great role in reimbursing our medical expenses. After all, medical insurance and social security are basically paid together, and this kind of protection takes a long time and the amount invested is relatively small, and it takes a long time to see the effect.