Is it necessary for a 48-year-old woman to buy social security?

Women are 48 years old and should not buy personal social security, which is not cost-effective. The reason why payment is not recommended is that the input is not proportional to the output, and women reach the legal retirement age at the age of 50. The minimum payment period of social security required by the state for retirement is 15 years, and 20 years for female medical staff. If you start paying now, you need to pay until you are 55 years old (delay retirement first), and then it is not enough to make up at one time. If you can't make it up at one time, you need to postpone retirement in the future until the endowment insurance is paid enough. Social security is now no less than 1000 yuan per month on average (paid in full), which will be found uneconomical after accounting. Social security, that is, social insurance, refers to a social and economic system that provides income or compensation for people who have lost their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

Social security is divided into five insurances and one gold. Five insurances are pension, medical care, work injury, unemployment and maternity, and one gold is housing accumulation fund.

The proportion and quantity of these five insurances and one gold are different in different regions, some regions pay five insurances and one gold, some regions only pay five insurances and no gold, and some regions only pay pension, medical care and work injury insurance, and the types of payment are different.

Medical care is divided into cooperative medical care and comprehensive medical care, cooperative medical care. Individuals only need to pay 4 yuan money/month, but comprehensive medical care pays 2% of the salary base every month, but cooperative medical care can only reimburse a certain proportion, usually 3/7 or 4/6, and individuals account for a small part. However, in terms of comprehensive medical care, the medical amount on the social security card is increasing. If you are sick, you can go to the hospital for full reimbursement, or you can help your loved ones for reimbursement, which is equivalent to the style of direct credit card.

Pension, 8% for individuals and 65,438+00% for companies. For the provident fund, it is stipulated that it should not exceed 20% of the salary, and the contribution ratio of units and individuals is the same, generally 5%. If it is cooperative medical care, individuals only need to pay 4 yuan/month, comprehensive individuals pay 2%, and companies pay 3%-5%. Unemployment, maternity and work-related injuries are paid by the unit, and individuals do not need to pay.