We know that if we want to get more living materials, we need to pay more labor ourselves. But it is undeniable that everyone's energy is limited, and as we age, our physical skills slowly decline. Therefore, everyone will face the outcome of retiring around the age of 60. After leaving the original job and choosing to retire, for many people, it also means that the income from the job will drop sharply. How can you protect your life in such a situation?
To this end, the State has specially formulated a social security welfare system. As long as you pay your social security contributions in full and on time before retirement, you can receive the corresponding social security benefits after retirement. However, these 4 types of people should pay attention to the fact that there is a problem with your social security payment method, and you must stop participating in the insurance as soon as possible! Otherwise, it is useless to pay normally for 15 years, and in the end it is still the result of "invalid" social security. So what's going on?
1. Category 2 invalid payment
Although paying social security on time and in full is a prerequisite for receiving social security benefits in the future, we must also beware of the problem of "invalid payment". Here, I would like to remind you that when paying social security, we especially need to avoid the following two situations to avoid unnecessary economic waste.
1. Enroll in multiple places at the same time. To put it simply, it is a situation where a person has repeatedly paid social security. The reason for this problem is mainly related to the development of network technology. In the past, especially in the 70s and 80s, the government office system was not supported by the same developed Internet technology as it is today. Under such a premise, the handling of remote business will cause the problem of untimely information update and inability to synchronize.
The handling of social security will also involve related issues, and there may be a delay in the unification of payment information in different places. This situation is more common in people who work in other places, they have already opened a social security account in their hometown, and have applied for social security, but due to the change of work location, they are worried that their social security will be interrupted after coming to a foreign country, so they will choose to re-open an account in a different place to apply for social security.
In fact, this practice is unnecessary, in addition to allowing the insured to spend an extra amount of money on social security expenses, it will not achieve the purpose of accumulating social security years and superimposing premiums. In the end, the benefits enjoyed are the same as those who only paid one social security.
2. You have reached retirement age but continue to participate in insurance. We all know that under normal circumstances, the longer the insured pays social security, the more pension they will receive after retirement. However, this does not mean that you can extend the payment time of social security at will. In order to accumulate a longer period of insurance participation, some people will choose to retire when they reach retirement age and continue to work to pay social security, thinking that they can accumulate more social security payment fees and payment time for themselves.
But in fact, this practice is completely unnecessary, and the premiums and deadlines that continue to be paid after the retirement age will not be counted by the system. Because according to the regulations, once the age of the insured reaches the retirement age stipulated by the state, then the retirement procedures should be completed in accordance with the process, and then the corresponding social security benefits should be received. And the private deferred work, that is, the retirement age but not retired, is of course invalid.
2. Category 2 invalid insurance status
In addition to the above two types of invalid insurance, those who belong to the following two categories should also note that your insurance is also invalid.
1. Employees who belong to enterprises and units are rehired. For some people, although they have reached the age when they should retire, they are still in good physical condition and energetic, so they still have the conditions to continue to work in their original jobs. In enterprises and units, some technical positions or other positions are often more inclined to choose old employees. As a result, some companies will rehire retired employees based on their own operational development.
However, it should be noted that rehired employees can of course continue to receive their own remuneration for their work, but it is meaningless to continue to pay social security. Because the state's social security benefits are issued according to the retirement age standard before rehiring.
2. College students whose work is part-time or internship. It should be known that if a college student has not yet graduated, if the work carried out is an internship or a part-time job, then the employer does not need to pay social security for himself, because even if he does, it is invalid, and the premium and time paid will not be counted in the personal insurance file.
Therefore, I remind all college students that when they come out to look for internship jobs or usually work part-time, they must see whether the employer pays social security for them. It is also necessary to pay attention not to become a condition for the employer to "bargain" with yourself. Otherwise, you're pitting yourself.
3. Precautions for paying social security
When you pay social security, you also need to pay attention to the following points. In case you cause unnecessary losses to yourself.
1. Social security cannot be paid casually. According to the relevant regulations of the current social security law in mainland China, the minimum period for paying social security is 15 years. If you have not paid for 15 years, and the payment is interrupted due to unemployment, resignation, etc., then you need to spend more energy or directly spend a large amount of money to make up for the interruption of social security. Therefore, even if you have no job for a while, you must find a way to go to the social security bureau to pay social security on time and in full.
2. Don't touch "black institutions" when paying social security. Some people do not have social security because of their work. In order to pay social security for themselves, they will choose an agency company, or choose other companies to be affiliated with. It should be noted that this kind of behavior itself is a violation of the law, and it will bring greater risks to yourself.
As can be seen from the news in previous years, many so-called social security agencies are black-hearted agencies that deceive people's premiums. And the victim's assets are not easy to recover, which will definitely cause great financial losses to themselves, and more importantly, they will also waste their time.
brief summary
Through the above explanation, I believe you also know which 4 types of people's social security contributions are invalid. If you happen to be one of them, then please stop paying social security as soon as possible, because even if you pay normally for 15 years, it is useless. Although it is said that the payment of social security should be paid in full and on time, for the insured who does not meet the requirements for overtime or whose status is not qualified, participating in the insurance is tantamount to increasing their losses.
Moreover, with the development of Internet technology, government statistics can be updated in a timely manner and synchronized in different places. Therefore, issues such as repeated insurance, determining whether the employer applies for social security for themselves, and extending the payment time of social insurance after retirement will not be a problem after all.
Finally, I would like to ask you, have you ever encountered such an invalid insurance situation, and what is your own social security payment?