Nowadays, in order to retire early, many people go to find a unit to stay. Is this reliable?

Hello, landlord, now many people go to find a unit to hang in order to retire early. Is this reliable? I think this approach is completely unreliable, because early retirement does not mean that you can retire early by finding a company, but you must have certain conditions. At present, our country aims at early retirement. There are two situations in which you can retire early.

1 case is a special type of work, and I have been engaged in special types of work for about 8~ 10 years. In that case, I can retire five years earlier, at 45 as a woman and at 55 as a man. Of course, the identification of this special type of work must provide effective personal files. And you have relevant records in your personal file, or you have made effective records in the local social security bureau before taking part in special work in the local area. In this case, you can apply for retirement in advance.

Another situation is early retirement due to illness. If you completely lose your ability to work due to illness, you can also retire early. Of course, if you completely lose your ability to work due to illness, you must be a medical appraisal institution designated by the labor department, and you can apply for retirement 5~ 10 years in advance. Women can retire five years early and 45 years old, so men can retire 10 years early, that is, at the age of 50.

Thanks for reading, please add my attention.

Thank you, theme!

Personally, I think so. Of course, everyone always wants to retire early, especially flexible employees. Why is this happening? The following is my personal opinion for your reference.

There are only a few reasons why so many people want to retire as soon as possible. First, with the implementation of the delayed retirement policy, especially for the group around 50 years old, of course, this refers to the male group, so women are always around 45 years old and they want to retire as soon as possible. Second, there are also payers who are flexible in employment for this group, so social security contributions are paid in full by themselves. With the increase of social security costs, there are many difficulties and actually a lot of pressure.

At present, many people have come up with ways to pay additional social insurance, so is this possible? Yes, but you need social insurance. In all cases, the payment of affiliated personnel must be affiliated with the unit for 10 years, so as to go through retirement procedures according to the requirements of employees. There are also various fees for affiliated enterprises. If you encounter an illegal enterprise and take the social security fee, it may be over. Therefore, in my personal opinion, people who want to affiliate still need to find a more reliable enterprise to affiliate. Only in this way can we achieve the desired effect! Personal opinion, for reference only!

The practice is understandable, but not supported. In fact, there are risks. Specifically, I want to share my personal views with you.

First, female employees who pay fees in affiliated units can retire five years in advance. If the affiliated employer pays endowment insurance and medical insurance, according to China's current retirement system, male employees are 60 years old, female employees are 50 years old, and female cadres and female flexible employees are 55 years old. Male employees can only retire at the age of 60 regardless of whether they are affiliated or not, but if they want to retire as female employees, they can indeed retire at the age of 50, while women need to retire at the age of 55 if they pay pension insurance and medical insurance together with flexible employees. Some people, especially women, in order to achieve the goal of early retirement, find a household unit to pay fees, in order to achieve the goal of retiring according to the age of female employees. However, due to the retirement of female employees, it is generally required that the continuous working years in the enterprise should reach 10 years. It is difficult to predict whether the enterprise you belong to has a business life of 10 years.

Second, it is not cost-effective to be careful and rely on employers. At present, employers generally have to pay five insurances and one gold. For the time being, we can not talk about housing provident fund, because some enterprises have not paid housing provident fund, but five insurances must be paid. The contribution rate of pension insurance is 24%, compared with 28% in the past, medical insurance is 8%, unemployment insurance is 2% in the past, and now it is 1%, and maternity insurance and industrial injury insurance are 1% respectively. Now the total payment ratio is around 35%. According to the previous payment ratio, the total payment ratio is 40%. Because you are affiliated with the employer, the expenses of these payment ratios need to be paid in full by the individual to the employer, and then paid to the social security department in the name of the employer; But if you pay in the name of an individual, you only need to pay pension insurance and medical insurance. The pension insurance payment ratio is 20%, the medical insurance payment ratio is 8%, and the total payment ratio is 28%. Compared with the current payment ratio, the annual payment expenditure increases by 7%. According to the original payment ratio, the annual payment expenditure increases by 12%. If the annual payment base is 60,000 yuan and the annual payment is 4,200 yuan more, the annual payment will increase by 12%, 7,200 yuan, and 15 will increase by 63,000 yuan, reaching 108000 yuan. Retire five years in advance and get the pension, which is not enough to pay the insurance premium for five years.

Third, the legal risk is huge. Affiliated units pay fees, and affiliated units are small private enterprises. The management of small private enterprises is not standardized, and the awareness of laws and regulations is not strong. The average survival rate is less than 10 years, and there is a risk of bankruptcy at any time. Because you are affiliated, the enterprise should make a set of false accounts for you, such as paying a holiday account for wages and reporting false accounts for tax payment. Once this kind of false behavior is exposed, it will not only hurt the enterprise, but also cause you some losses. Therefore, it is very uneconomical to rely on private individuals to pay social security, and it is more reliable to pay according to individuals.

Fourth, there are differences in the calculation of retirement pension between 50 and 55 years old. In fact, there is a certain difference between retiring at 55 and retiring at 50. This difference is mainly reflected in the calculation method of individual pension. Retirement at 50 is divided by 195 months, and retirement at 55 is divided by 170 months. For example, the total amount of individuals is/kloc-0.00 million yuan, divided by/kloc-0.95 months, and each month is 565438. This gap increases with the increase of the total amount of personal accounts; As for the basic pension, retirement at 55 is five years later than retirement at 50. In addition to the increase in personal account pension, the basic pension will increase by 1% every year due to the increase in the average social wage of employees at retirement. Taken together, it is an ironclad fact that retirement at the age of 55 will increase by several hundred yuan every month compared with retirement at the age of 50.

To sum up, it is a good idea for flexible employees to retire five years in advance by means of affiliation. However, due to the need to pay three insurances, the payment ratio is 7 12% higher than that of individuals, and there are still risks such as legal and pension reduction. It is suggested that it is more cost-effective to pay by individuals. Hello, landlord, if you can retire early, find a unit to call, in fact, this rule is not enforceable. Because the normal legal retirement age is 60 for men and 50 to 55 for women, you can retire normally at this legal age without calling the company.

Of course, he has a certain range of flexibility for women's retirement age. Why? Mainly aimed at the identity differences between female cadres and female workers. On the other hand, this group of people pay personal social security fees as flexible employment and retire at the age of 55, but if you want to find a company to rely on, you must first ensure that the endowment insurance you pay in the enterprise reaches the level of 15 anniversary, so that you can retire at the age of 50.

So you have paid this social security in the form of flexible employment for more than 10 years, so you can't retire at the age of 50 in the last five years, so it is meaningless to retire at the age of 55.

Thanks for reading, please add my attention.

Thank you: According to the problem analysis, these people have no fixed jobs, and they have worked for 20 or 30 years and paid social insurance premiums themselves. About fifteen years, but it's naive to want to go to a certain unit and retire early (get a pension). First of all, you must be in your fifties, and no unit can let you "call". Without this policy, there is no reason, even if there are relatives who want to be officials, they will not be affiliated. Even if you have a company to call you, there is no effective proof that you have done special work for more than ten years, and a man can't get a pension when he is 60 years old. If you are a woman, you need to have a person with more than 30 years of continuous formal service and at least 50 years of age before you can go through the retirement procedures. However, the supporting documents must be recorded from the beginning of the work and cannot be forged.

Crazy for 67 years.

About this problem, it is not a question that anyone can do if he wants to. His salary has been very high, and then someone will pay a high salary to take care of him. Isn't this a double event, steel? This problem has long been contradictory, which proves that his retirement age is too early. This problem has a one-sided imagination, that is, he has a high salary and a very large income. Am I right? Friends, please comment. Thank you. ,,,

It's a joke to go to an administrative institution and retire as a civil servant. At present, only female workers and unemployed workers in state-owned enterprises retire at the age of 50 and 55 respectively, and private enterprises also retire at the age of 55 (before 2000, they retired at the age of 50). Do you think that state-owned enterprises can be affiliated if they want to? ! When the retirement age is reviewed, you will know your initial identity of insurance payment at a glance. Do you have a recruitment file? Is there a deemed payment period? Do you have a formal employee status in a state-owned enterprise? This kind of case happened in a province. If you don't have a day's work, you can retire as a state-owned enterprise employee and receive a pension. A lot of people have been investigated recently. Once it is found out, the pension will be cut off directly, and the deputy who handles the formalities has turned off his phone and the money has been confiscated. Then who will you pay for?

Because the retirement age of female flexible employees in China is 55 years old (some areas can also retire at 50 years old), and the retirement age of female employees in enterprises is 50 years old. It is true that some people find units to ask for retirement five years in advance. This situation is not only unreliable but also illegal!

The reason why the company is linked is because the social security benefits in some areas such as Beijing are relatively high, but people with foreign household registration are not allowed to participate as flexible employees. So many people will associate social security with some human resources companies or enterprises in Beijing. And the result?

On June 30, 2020, the Beijing Municipal Medical Insurance Bureau and the Municipal Public Security Bureau jointly reported two cases of fraudulent insurance of fictitious labor relations. In two cases, the company defrauded the social security fund 1000 million yuan by fictitious labor relations or forged certification materials for others. Sentenced in July 20021year. One of the companies defrauded 36 pregnant women of maternity allowance of 980 thousand yuan, and the principal was sentenced to three and a half years in prison.

Now, to tell the truth, it is true that in some areas, the investigation and punishment of fictitious labor relations is not enough, but illegal acts are always illegal.

Article 88 of the Social Insurance Law clearly stipulates that those who defraud social insurance benefits by fraud, forgery of certification materials or other means shall be ordered by the social insurance administrative department to return the defrauded social insurance benefits and impose a fine of more than two times and less than five times the amount defrauded.

Because fictitious labor relations are not recognized by law, as long as they are investigated, they may be recovered from the paid social insurance premiums and even face punishment.

Generally speaking, it is legal for workers to find an employer, truly establish labor relations, and work in a down-to-earth manner. Wages and social insurance premiums are paid by enterprises.

What about working hours and personal needs? In fact, the two sides can solve it through consultation. The employing unit can also arrange employees' jobs according to the actual situation of employees, or arrange employees to wait for posts, and pay the waiting salary (generally 70%~80% of the minimum wage) and social insurance in accordance with local regulations.

Generally speaking, it is better to find an acquaintance such as relatives and friends, so that some problems can be solved easily.

Women who pay freelance fees can retire at the age of 50 if they have the conditions to find a reliable private enterprise. If they are men, don't owe them a favor. Retirement at 60 is meaningless. On the contrary, you have to pay the five risks yourself, and the freelancers only pay the old-age insurance for reference only.

This kind of thing has developed to a certain extent,

It's time for someone to go out and ask. Why are you hanging out? This group of flexible employees should have retired early, laid off and unemployed, and retired five years later. It is said that in many places in China, women workers retire at the age of 50.

Why did you do such a thing?