Social security, a seemingly unremarkable issue that is actually related to everyone's future, has recently become a hot topic among flexible workers. Data at the end of 2022 tells us that only a small percentage of flexible workers are covered by health insurance. Why do so many people stay away from social security? In this article, we follow in their footsteps and find out.
I have to admit that modern people pursue freedom, and flexible employment has become the norm in the new era. Shanghai's food delivery boys, shuttling between high-rise buildings every day, enjoy the freedom brought by work, but also bear a lot of pressure and hidden worries.
Take the delivery guys in Shanghai as an example, their monthly income may be 7,000 to 8,000 yuan, which sounds good, but don't forget, you have to pay 2,266.1 yuan per month for social security alone, which is only the minimum standard. This includes a pension premium of 1,462 yuan and a medical premium of 804.1 yuan.
In order to save that money, many brothers chose to give up social security. It may sound risky, but for them, it's a tangible life choice. What they are more concerned about is how to support the current quality of life with limited income, which is not a distant and invisible guarantee.
Let's talk about the social security system itself. Let's see why so many flexible workers feel that social security is a heavy burden, and if they earn 5,000 yuan a month, the minimum social security contributions in Shanghai and Beijing can reach nearly half of their monthly income. Compared with the average enterprise employee, their personal social security contribution ratio is usually only about 10% of their income, and the gap comes out all of a sudden.
There is also a 15-year threshold for pension insurance. This means that you will only be eligible for a pension if you have paid for more than 15 years. This is a fantasy for many flexible workers who have unstable jobs and frequently change jobs. When they are young, they are more inclined to earn money to support their families, rather than thinking about the issue of pension in more than ten years.
Faced with such a situation, we have to think about the question: if flexible workers start to refuse to pay social security, how will the country's social security system be maintained? Social security should not be just for the wealthy, it should be affordable for everyone, rich or poor.
Although there are many irrationalities in the current situation, social security is still worth paying. Out of responsibility to the family and for the sake of their own future, pension insurance and medical insurance should still be paid as much as possible. With this guarantee, the future can be more confident and the burden on children can be reduced.