Is it worth paying social security?

To participate in the old-age insurance, there are indeed many people who are worried that they have paid the old-age insurance for a lifetime. If they don't get it when they die, won't they lose money? The Tenth Five-Year Plan points out that if we promote delayed retirement and retire at the age of 65, what is the probability of our survival?

Out of a population of 654.38 million, how many people can live to be 65 years old?

To tell the truth, the question of how old you can live is really different from person to person. According to the figures of the National Bureau of Statistics, the average life expectancy in China in 20021year was 78.2 years, an increase of 0.27 years over the previous year.

The average life expectancy announced by the national statistics department is the average age that these children can live, which is calculated according to the mortality rate of newborns born in 202 1 year at all ages in that year.

Life expectancy per capita is linked to the living conditions and medical conditions of that year, and may not always increase. For example, the average life expectancy in the United States has dropped by 2.7 years in the past three years. The average life expectancy of Native Americans (mainly Indians) has been shortened by 6.6 years, while that of whites has been shortened by 2.4 years.

In fact, since birth, we have a certain mortality rate every year. These mortality rates are very simple. Generally, it is the number of deaths in a certain age group in that year and the total number of people in a certain age group at the beginning of the year, but the state generally does not publish relevant figures.

Many people may think that we can only live to 78.2 years on average, and receive an average pension of 13.2 years from the age of 65. This idea is wrong. In fact, apart from the differences in life expectancy between different regions, there are also differences in life expectancy between men and women.

At present, the highest average life expectancy in China is in Shanghai, reaching 84.1year in 20021year, of which males are only 8 1.76 years old, females are 86.56 years old, and females are 4.8 years older than males. In addition, the average life expectancy of Xizang Autonomous Region in remote areas is only 72. 19 years, which is about 6 years lower than the national average life expectancy.

Since everyone is generally over 20 when they participate in social security, the probability of getting a pension at the age of 65 is 8 1.68% for men and 88.82% for women.

Judging from the above life expectancy and survival probability, it is obvious that it is more cost-effective for women to participate in endowment insurance, or it is recommended that families of flexible employees insure women first.