As we all know, social security is important for everyone. Paying social security not only means providing a retirement guarantee for the future and reducing our financial burden in old age, but also means that we can enjoy a certain degree of medical insurance for ourselves and our families, reducing the burden of our illness.
Therefore, even the youngest migrant workers hope that they can enjoy social security benefits in the fastest time after participating in employment.
However, the strange thing is that in the past two years, many flexible employees have been forced to "return social security". Obviously, paying social security will bring great benefits, but why do so many people return the payment?
In this regard, some experts explain that these people only see some small money in front of them, and do not take into account longer-term problems, such as illness in the future without medical insurance can not be reimbursed, old age is lost to work, but there is no pension, etc. If they do so, they may not be able to live in their 60s without security. If you have social security, you can get a pension when you retire, and these problems are not a problem. So, are the experts right?
01.
What is a flexible worker
According to the data, the number of flexible employees in the country exceeds 200 million. The so-called flexible workers are people who have irregular jobs and unstable incomes. This includes temporary workers, part-time workers, self-employed businesses, freelancers and other groups.
This group seems to have a higher degree of freedom, but it is more affected by the larger environmental factors and is more likely to experience job and income instability. For example, sometimes the general environment is good and the income is good, but when the market is bad, there is not even the most basic protection.
There are two main reasons for the increasing number of flexible workers in the country:
(1) Young people are more yearning for a free life.
Many young people do not like to be bound by various rules and regulations in the company, but yearn for a free life. As a result, they will choose to work as food delivery workers, couriers, and online car-hailing. You can work as long as you want, and if you are tired, you can rest for a few days;
(2) The market environment is not good, and it is becoming more and more difficult to find a job
For example, in recent years, the general environment has not been ideal, and the survival pressure of enterprises is high, which not only reduces the demand for recruitment, but even reduces salaries and layoffs to reduce business pressure.
As a result, it is becoming more and more difficult for those over 35 years old to find a job, and when they can't find a suitable job, many people can only rely on setting up stalls, working as self-employed, temporary workers, etc., to solve their current life problems. It's also a reluctant choice.
02.
Flexible employment is "forced" to surrender
What's going on
In recent years, more and more flexible workers have taken the initiative to give up social security, and the reason for this is mainly due to several reasons:
1. Too much economic pressure
In this regard, first of all, let's understand how the cost of social security paid by flexible employees is different from that of enterprise employees.
First of all, the way to pay social security for enterprise employees is:
1. Pension insurance premium: 20% for units and 8% for individuals.
2. Unemployment insurance premium: 2% for units and 1% for individuals.
3. Medical insurance premium: 8% for units and 2% for individuals.
4. Work-related injury insurance premiums: paid by units, not paid by individuals.
5. Maternity insurance premiums: paid by units, not paid by individuals.
That is to say, as long as the employees of the enterprise have a labor relationship with the company, then the company must pay social security to the employees, and most of the expenses are paid by the enterprise.
However, the flexible employment group is different, their social security contributions are not shared by the company, and all the costs need to be borne by themselves. In addition, there will be some differences in the contribution ratio depending on the region.
For example, in Shanghai, since March this year, the proportion of flexible workers paying basic pension insurance premiums has been adjusted from 24% to 20%. However, the proportion included in the personal account of pension insurance is still 8% of the payment base of the person.
For example, at present, the minimum social security contribution base for flexible employees in Shanghai is 7310, and the contribution ratio is: 20% for endowment insurance and 10% for medical insurance. Then the monthly payment amount is: 7310× (20+10%) = 2193 yuan.
It can be seen that in the case of a bad economic environment and unstable incomes for many people, a person has to bear all the social security contributions, which is very stressful, and even some people's monthly income is only enough to maintain basic expenses.
2. Postpone retirement and feel that it is not cost-effective to pay contributions
With the intensification of the aging population, the measures to postpone retirement may be on the agenda, the original flexible employment of the social security contributions need to be borne by individuals, many people can pay normally to the age of 60 are more difficult, if you want to 65 years old to retire, but also to pay for 5 more years, feel that it is not cost-effective, will not be willing to pay for 5 more years.
So, if the postponement of retirement really lands, is it really not cost-effective for flexible employees to pay social security? Let's do the math:
Taking Shandong as an example, in 2024, the minimum payment base for the pension insurance and medical insurance of flexible employees in Shandong Province will be the same as that of the employees of the enterprise, which will be 4,242.
Specifically, for flexible employees, the proportion of pension insurance units is 12%, and individuals are 8%, and the amount of pension insurance that individuals need to bear every month is 848.8 yuan, and the total amount of payment for 15 years is 152784 yuan.
Then the pension is calculated: the basic pension is 932 yuan, the total personal account balance is 61,113 yuan, the number of months is 139 months, and the monthly is 440 yuan, and the two add up to 1,372 yuan per month.
That is to say: flexible employment pays a total of 152784 yuan in pension fees, resulting in a monthly pension of 1372 yuan, and the return time is about 9 years and 3 months, and we can earn about 7 years and 9 months for 15 consecutive years.
Moreover, in addition to pension benefits. There is also a funeral benefit for pension insurance. That is, after the death of the insured employees, they can also enjoy the balance of the personal account of the pension insurance, funeral expenses and pensions, which are actually very cost-effective. Now the general funeral pension treatment is at least 4~50,000 yuan. The funeral expenses in Shandong Province are 1,000 yuan, and the one-time relief pension is as high as more than 60,000 yuan.
So, regardless of whether retirement is delayed or not, our pension insurance system is actually very cost-effective.
3. The economic environment is not good, and the income of flexible employees is not guaranteed.
Affected by the general environment, many people's income has been greatly reduced, and the life of flexible workers has become more difficult, and even some people have no income for several months in a row, completely relying on their family savings to survive, these people you let them pay social security is obviously not too realistic.
They want to use limited money to protect the mortgage and normal life first, social security is very important, but it is not possible to take care of it in a short period of time. Long-term interests are important, of course, but for many people, it is even more important to survive in the short term.
4. The cost of social security has been rising.
It is not very obvious that the employees of the enterprise are responsible for the main part of the enterprise, but the flexible employees are all borne by themselves, and they have to pay more money a year every time they rise.
For this group, it is very sensitive to changes in this part of the expenditure, and stopping the payment of social security is also a last resort.
In short, many flexible employees are helpless to surrender their insurance, but if they have sufficient funds on hand and the economic situation is relatively good, they should still pay as much as possible, because there are indeed great benefits to having social security.
The first is to be able to have a stable pension after retirement, otherwise if the economic conditions have not improved greatly, you may have to find a job after the age of 65, and your old age life will not be guaranteed.
Secondly, some people may feel that it is more secure to save money, but in fact, if they can really save money for a long time, it is also possible. However, when making this choice, it is also necessary to consider whether it is possible to save a fixed amount of money for up to 15 years, and many people do not save money even if they do not pay social security.
In addition, there is the question of whether the money you have saved will be able to fight inflation. If you save 200,000 now, it's hard to say how much the 200,000 will be of maximum use in 20 years.
The pension issued by the state will be adjusted according to the economic situation of the society, and the pension of retirees has been rising in recent years, which still has a certain effect on the fight against inflation. But it is clear that this cannot be done by saving money alone.
Moreover, as long as you have been paying social security, you can also reimburse a large part of the money if you get sick, which can definitely reduce a lot of financial burden. Young people may not care much about this, but as they get older, the more likely they are to have various problems, and it is very important to have reliable medical care.
Therefore, again, if the economy allows, don't stop paying social security, there is really no way, and don't stop the medical insurance, you can replace it with the New Rural Cooperative Medical Insurance, at least this can avoid falling into a greater predicament. You say, don't you?
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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