Safe. Breaking news: Social security will continue to decrease in 2022.

According to the news released by Ministry of Human Resources and Social Security, affected by the epidemic situation and considering the relatively heavy operating pressure of many enterprises, the state has introduced a phased policy of reducing the social insurance premium rate, which has been extended to April 30, 2022. So what is the downward adjustment of social security rate? Today, let's talk about social security relief policies, as follows:

1, social security relief policy, what is this?

2. What is the relationship between the social security expenses of the employer and our employees?

Besides social security, what insurance can we buy to protect ourselves and our families?

First, the social security relief policy, what is this?

Social security relief policy refers to the national policy of reducing unemployment insurance and industrial injury insurance rates of enterprises. This policy has brought tangible benefits to enterprises and employees, which can effectively reduce the operating pressure of most enterprises, enable enterprises to better face the epidemic and enhance their viability, thus bringing better employment benefits and employment opportunities to employees. According to the new regulations, this aid policy will last until April 30, 2022.

The second is to reduce the social security costs of employers. What does it have to do with our employees?

Employers and employees complement each other. On the one hand, only when the employing units operate normally can our employees have stable jobs and relatively stable incomes. On the other hand, the efforts of employees can effectively make the employer run normally. As we all know, the payment of social security is carried out jointly by employees and employers, and the expenses paid by employers are also an operating cost of enterprises. When employers have operational difficulties, enterprises will definitely lay off employees or reduce production capacity in order to survive better, so some employees will inevitably lose their jobs. The social security fee reduction policy introduced by the state can effectively reduce the burden on enterprises. This regulation is ostensibly to help enterprises, but in fact it benefits our employees personally. It is not difficult to see that the social security relief policy can effectively stabilize employment and is closely related to every family.

Besides social security, what insurance can we buy to protect ourselves and our families?

Social security mainly includes endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance, which can provide basic guarantee for life, but in the face of more accidents or higher pension benefits, social security plays a limited role after all. To this end, we should consider configuring commercial insurance for ourselves or our families to better protect ourselves and their families. The allocation of commercial insurance needs to be based on its own needs and other actual conditions. Under normal circumstances, you can choose from endowment insurance, medical insurance and accident insurance:

1, endowment insurance. Social endowment insurance can only guarantee the basic life after retirement, and the general guarantee is limited, while commercial endowment insurance is an effective supplement, which can effectively improve the quality of life after retirement. Therefore, it is suggested that while buying social security for yourself and your family, you should also choose commercial endowment insurance. At present, the annuity insurance in commercial endowment insurance is a good choice, and both the insurance method and the collection method are perfectly compatible with social endowment insurance.

2. Medical insurance. Although medical expenses can also be reimbursed for medical treatment in social security, the reimbursement is limited and the amount of reimbursement is not large. When encountering serious diseases, it seems that the protection is insufficient, so choosing commercial medical insurance is a good choice. General commercial medical insurance is reimbursed after social security reimbursement, which can effectively reduce medical expenses.

3. Accident insurance. It is undeniable that in life, the probability of accidents is the greatest, and accident insurance is particularly important at this time, and both the insurance threshold and premium are relatively low, which can be considered.

Four. abstract

The continued implementation of the social security relief policy is of great benefit to both enterprises and employees. For enterprises, it can effectively reduce operating costs, ensure the normal operation of enterprises and effectively stabilize the employment of employees. This policy is closely related to every family! What needs to be known is that social insurance is, after all, a national welfare, and its purpose is to guarantee everyone's basic life. In order to improve the quality of insurance, it is a better choice to choose appropriate commercial insurance. Therefore, if you have the conditions, you should provide appropriate commercial insurance for yourself and your family. If you are still confused and don't know how to buy insurance, you can consult a professional and excellent insurance broker. Because professional insurance brokers will make a comprehensive evaluation and tailor the plan according to your problems and needs, Baibaojun has a professional and powerful insurance team to match the exclusive consultant that suits you best. Baidu searches for "Baibaojun" to provide you with more professional insurance.