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What should freshmen do in their first job? social security

College graduates can be helped to pay social security by their work units.

Social insurance refers to the system that the state establishes a social insurance fund through legislation to give necessary material help to workers who participate in labor relations when they lose their ability to work or are unemployed. Social insurance is not for profit.

Social insurance is mainly through raising social insurance funds, coordinating and adjusting social insurance funds within a certain range, and giving necessary help to workers when they encounter labor risks. Social insurance provides basic living security for workers. Workers can enjoy social insurance benefits as long as they meet the conditions for enjoying social insurance, that is, they have established labor relations with employers or paid various social insurance premiums according to regulations. Social insurance is the core content of social security system. Generally speaking, no matter the probation period or internship period, as long as both parties confirm the employment relationship and sign a labor contract, enterprises must purchase social security for their employees. Employees only need to provide relevant information. However, some college students choose to start their own businesses instead of working in enterprises after graduation. At this time, they can buy their own social security. For example, to purchase social security through flexible employment, you need to open a flexible employment account at the Social Security Bureau, and then provide a bank card account, and deduct money every month. Another is to find a company link. At this time, you have to bear all the social security expenses yourself, and you have to pay a certain fee to the affiliated company, which is relatively expensive and not so cost-effective.

How to check the social security card on the mobile phone?

On the mobile phone, you can help your family check the social security card through Alipay or WeChat's city service.

First, open the software on the mobile phone; After entering the home page, click the Citizen Center, find social security in the Citizen Center, click Open, and then select the new social security card service. After entering, click to open the social security function. Then choose a guardian to do it for you. The Social Security Card of the People's Republic of China is an integrated circuit card issued by local human resources and social security departments for various business fields of human resources and social security.

Social security cards have a wide range of functions. Cardholders can not only use the card for real-time settlement of medical insurance personal accounts, but also handle endowment insurance affairs; Go through the formalities of job registration and unemployment registration; Apply for unemployment insurance; Apply for employment training; Apply for labor ability appraisal and enjoy work-related injury insurance benefits; Handling labor and social security affairs online.

The difference between social security and five insurances and one gold lies in:

1, the concept is different: social security is the abbreviation of social insurance, which refers to five kinds of insurance: endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. Five insurances and one gold refer to endowment insurance, medical insurance, maternity insurance, unemployment insurance, industrial injury insurance and housing accumulation fund.

2. Different scope: Social insurance only includes five types of insurance, such as endowment insurance, but five insurances and one gold also include housing accumulation fund. That is, five insurances and one gold include social security. Social security is what we call five insurances every day. Five insurances and one gold are just one more provident fund than social security.

Five insurances, one gold and five benefits:

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit.

3. Paying the housing accumulation fund is equivalent to the unit depositing a tax-free income in proportion like you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.

4. After the implementation of the unified account pension insurance payment system, the actual payment period of social insurance has become the most convincing proof of the length of service of enterprises. There are more and more times when social security payment certificates are needed, such as proving social services to confirm the days of paid annual leave, for example, loans need to be paid in local social security for more than one year when real estate is regulated, and so on.

Don't worry too much about inflation or currency depreciation, because the pension treatment plan consists of two parts, and the personal account pension is completely formed by individual contributions. This branch has the same inflation risk as bank deposits; However, the basic pension is linked to the local social average wage and the individual indexed average wage, which is itself anti-inflation; And after retirement, it will increase capital every year with the local economic level. The more you pay, the longer you pay, and the higher the level of pension benefits after retirement.

legal ground

Article 16 of the Labor Law stipulates that a labor contract is an agreement between a laborer and an employer to establish a labor relationship and clarify the rights and obligations of both parties. To establish labor relations, a labor contract shall be concluded.

Seventy-second social insurance funds to determine the source of funds according to the types of insurance, and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums according to law.