What's the difference between paying more than five risks and paying less?

The difference between overpayment and underpayment of social security is mainly reflected in the enjoyment of relevant treatment:

In addition to the fixed proportion of medical insurance reimbursement, the payment of social security will be directly reflected in the enjoyment of relevant treatment. For example, medical insurance personal accounts; There are personal accounts and overall accounts for medical care. The more you pay, the more balance will be transferred to your personal account every month. Then the insured will naturally have more balance to use when buying medicine or seeing a doctor.

In addition, endowment insurance also follows the principle of overpayment and long-term overpayment. The more you pay, the better the pension you can get after retirement.

The amount of social security contributions has a great relationship with the insured's own salary level. You can choose a suitable payment base according to your actual situation, and you must not cause yourself a greater economic burden in order to enjoy better treatment.

Social security payment units and individuals need to bear different proportions of payment:

1, endowment insurance: 19% for the company and 8% for the individual;

2. Medical insurance: the unit pays 10%, and the individual bears 2%;

3. Unemployment insurance: 0.8% for the unit and 0.2% for the individual;

4. Work-related injuries and medical treatment: this is borne by the employer, and individuals do not need to bear the corresponding premium expenses.

How long can social security contributions last?

1, medical insurance: once the balance in the personal account of medical insurance is available, it can be used. If it is account pooling, it generally needs to pay for more than three months continuously; If you want to get lifelong medical insurance, you need to pay at least 25 years before retirement (the specific number of years is subject to local requirements).

2. Old-age insurance: no benefits before retirement. Those who have paid at least 15 years premium before retirement can receive a pension after retirement.

3. Unemployment insurance: After being unemployed for non-personal reasons, you need to pay unemployment insurance for at least one year in a row before you can receive the corresponding unemployment insurance.

4. Maternity insurance: When you have paid for one year and received relevant treatment, you must be insured.

5. Work-related injury insurance: After the employer handles work-related injury insurance for employees, the relevant benefits will take effect the next day.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 57 An employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate.

Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration.

The market supervision and management department, the civil affairs department and the organization management organ shall promptly inform the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly inform the social insurance agency of the birth, death, household registration, migration and cancellation of the individual.