Recently, there have been many private messages from neighbors about social security, such as: I started working in my 20s, and now I am in my 40s, and I have paid enough pension insurance for 15 years, do I need to buy social security? Can I sit back and wait for retirement? Will it be too late to start buying social security in my 40s?"......
Do you also have such doubts? Don't worry, I'll answer them one by one! Hurry up and look down~
Is it still necessary to buy social security in my 40s?
Aunt Zhao is 42 years old this year, and came to Guangzhou to work at the age of 24, during which she did not pay social security except for unemployment or job change, she paid social security normally at other times, and paid for 15 years in a few months, is it necessary to continue to buy social security? Can you sit back and wait for retirement?
Answer: It is necessary to continue to buy social security! Most neighbors feel that they buy social security when they work just to have a pension after retirement, but in fact, it is not only like this, social security is related to many aspects of our lives, and it is a fundamental guarantee at a critical moment.
1. Guaranteed when you see a doctor and buy medicine
Employee social security includes medical insurance, and if you usually go to a designated hospital or pharmacy to buy medicine when you are sick, you can enjoy the relevant medical insurance reimbursement treatment. If you do not participate in social security, you can only bear all the expenses yourself.
Secondly, if you participate in the medical insurance for employees in Guangzhou, you can enjoy lifelong medical insurance treatment if you have been a male employee for 30 years and a female employee for 25 years!
2. Pension overpayment and overpayment
Employee social security also includes pension insurance, as long as you reach the statutory retirement age, you can pay for 15 years or more, you can receive a monthly pension.
It is worth noting that the pension follows the principle of "pay more, pay more, pay more for a long time", that is, the higher the payment base, the longer the payment period, and the more pension you will get.
3. There are advantages to entering Guangzhou
Now if you want to settle in Guangzhou, in addition to the policy-based households, such as the points and the introduction of talents, they are required to have a record of social security payment in Guangzhou, and they are the same as the five insurances.
The longer the insurance period, the greater the success rate of the points entry into the household, which is the social security advantage that flexible employment personnel do not have.
4. Coverage in the event of a work-related injury
If it is a high-risk occupation, you should continue to pay social security, so that you can be more secure in the face of the risk of work-related injuries.
Is it too late to buy social security for the first time at the age of 40?
So if you are in your 40s this year, but it is the first time to buy social security, will this insurance age be too late?
A: No. After participating in the insurance and paying on time, you can enjoy the relevant social security benefits. According to the requirement of 15 years of minimum payment period for pension insurance, if the age of 41 is the first time to participate in insurance, women who participate in employee social security can receive a pension at the age of 56;
For men and those who have purchased social security, they can continue to participate in the insurance if they have paid for 15 years and have not yet reached the statutory retirement age (60 years old). Therefore, it is not too late for those who have reached the age of 40 to start enrolling.
If you want to give yourself more protection in your later life, you must remember to participate in the insurance on time!
If you still want to know more about social security, retirement and other knowledge, welcome to pay attention!