Why is social security a pit? Can employees voluntarily give up social security?

Why is social security a pit? Can employees voluntarily give up social security?

Social security is closely

Why is social security a pit? Can employees voluntarily give up social security?

Why is social security a pit? Can employees voluntarily give up social security?

Social security is closely related to our life. With the expansion of social security coverage, more and more people begin to participate in social security insurance, but a few people think that social security is a pit and are unwilling to pay social security. Can employees who don't want to pay social security voluntarily give up participating in social insurance?

Social security is the abbreviation of social insurance, which is the basic social security system in China, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. People who pay social security can receive a pension after retirement as long as they have participated in pension insurance for 15 years.

If the insured is ill and hospitalized, medical expenses can be reimbursed with medical insurance. If employees are unemployed, they can receive unemployment benefits to ensure their basic livelihood during unemployment. If injured, you can reimburse medical expenses and enjoy work-related injury allowance; Eligible employees can enjoy reimbursement of maternity expenses and receive maternity allowance when giving birth.

From the scope of social security, the protection provided by social security is relatively comprehensive, but why do some people think that social security is a pit? The main reasons are as follows:

1, the old-age insurance payment period is too long, and it takes 15 years to enjoy the old-age benefits.

If you 15 years have not paid the contributions, you will not get the pension. If you want to surrender halfway, the premium paid by the unit will enter the overall account and cannot be refunded. The premiums paid by individuals can only be refunded by a small part, which is very uneconomical.

2. Medical reimbursement is limited.

Some drugs in the hospital are not covered by medical insurance reimbursement, such as class C drugs and imported drugs. If you need to use these drugs when you are sick, you need to bear the medical expenses yourself.

3. There are many conditions, low amount and short time to receive unemployment insurance benefits;

So some employees don't want to pay social security, but for employees and units, social security is mandatory, and employees and units must pay social security according to law. If you don't participate in social insurance, it is illegal, so employees can't voluntarily give up participating in social insurance.