Now some people don't want to pay five insurances. Why?

Now some people don't want to pay five insurances. Why? In fact, I don't want to pay five risks, which is also a normal psychological reaction. At present, among the five insurances paid by employees, only on-the-job employees can pay five insurances, and flexible employees can only pay endowment insurance and medical insurance. Therefore, most people who don't want to pay five insurances should belong to on-the-job employees, and flexible employees can't pay even if they want to.

First, I don't understand social security knowledge and social security policies.

Most people who don't want to pay the five insurances are people who have just joined the work and don't know social security knowledge. They think they are young and healthy, so there is no need to apply for social insurance so early. Because of social insurance, the monthly salary will be reduced by several hundred yuan or even thousands of yuan. If you pay social security, you may not be able to enjoy it in the future, even if the policy changes in a few decades. In fact, these are all caused by not knowing social security knowledge.

Second, I have not enjoyed social security benefits for a long time, so I am lucky.

Among the five insurances we bought, the most important ones are endowment insurance and medical insurance. Everyone thinks that old-age insurance needs to be paid until retirement age. Now I'm only in my twenties, and it's too far to pay for decades. Others think that they are in good health, have paid medical insurance for decades, and rarely enjoy medical reimbursement because of hospitalization; Unemployment insurance has been paid, but the conditions for receiving unemployment insurance are too harsh. Most people quit voluntarily, so they can't get unemployment insurance. Maternity insurance thinks that you are a man, not to mention work-related injuries, and the probability of working in an office is relatively low.

Third, migrant workers think that working is not a long-term solution, and buying is free.

Migrant workers account for a very large proportion of the groups who don't want to buy five insurances. They think they go to the city mainly to earn some money, so that they can go home to marry a wife and build a house. As for providing for the aged, medical care is not a big problem. As long as they have land and children at home, providing for the aged is not a big problem.

Some people don't want to pay the five risks. Although there are various reasons, it is fundamentally a matter of consciousness and concept. Once the ideological problems are solved, we can clearly realize how important the five risks are to us. In fact, among the five insurances we pay, except unemployment insurance, other insurances are basically not paid by ourselves.

First, 8% paid by individuals for endowment insurance is entirely their own money.

When employees pay endowment insurance, they shall be borne by employers and individuals in proportion, of which the employer shall bear the contribution ratio of 16% and the self-contribution ratio is 8%. However, this part of the money is entirely your own, and you can retire and receive a pension at retirement age; For friends or migrant workers who can't reach the payment period and can't retire at retirement age, they can pay back not only the principal, but also higher interest income. Therefore, from this perspective, pension insurance basically belongs to non-payment.

Second, medical insurance not only does not lose money, but also makes money.

In the employee medical insurance paid by employees, it is also borne by employers and employees in proportion, with units paying 6% and individuals paying 2%. The 2% paid by the individual is basically returned to the individual account in full, but the use must be for medical purposes, and this penny will always belong to him. For older people, such as people over 40, the return ratio is as high as 3%. Not only the part paid by the company will be returned in full, but also the part paid by the company will be returned to the personal social security card. Even if I pay medical insurance, I won't be hospitalized. I will only make a profit.

Third, individuals do not pay maternity insurance and work-related injury insurance, only unemployment insurance needs to be paid by themselves.

Maternity insurance and industrial injury insurance are paid by the unit, and individuals do not pay a penny. However, if they have children, they will make a lot of money. The cost of having a child ranges from tens of thousands to hundreds of thousands. The same is true of industrial injury insurance. If there were no work-related injuries, they would not lose money. In case of work-related injury, medical expenses and wages are guaranteed. As for unemployment insurance, individuals need to pay 0.5%, but tens of dollars a month is also a kind of protection, and most people may not enjoy it, so I said that only unemployment insurance needs individuals to pay.

In the above analysis, we analyzed three reasons why some people don't want to pay five insurances, and analyzed the payment structure of five insurances. To this end, my conclusion is that the fundamental reason for people who don't pay five risks is ideological problems, poor awareness of risk prevention and lack of foresight. The problem of concept is solved, the problem of understanding is improved, and the enthusiasm of paying five risks will also be improved.

It is true that a large number of people do not want to pay social security. People who pay social security are generally divided into employees and freelancers, including unemployed people. There are also reasons why they don't want to pay. Let's talk about the reasons why employees don't want to pay:

For people who have just entered the workplace, the income is not very high. At this time, they are more concerned about the actual salary, so they really don't want to deduct social security. Many children who go in and out of the workplace have no idea what social security is or what they can do. Therefore, because social security is also slow to take effect, after all, you can enjoy the basic pension benefits after retirement, which makes everyone feel far away from them, so I don't consider paying it now.

For people who have been in the workplace for a long time, it seems much more sophisticated, and enterprises may not consider leaving without paying social security.

In addition to people who go to work, there are freelancers, flexible employees or unemployed people. In recent years, some people with good economic conditions have no pressure to buy social security, but some people have average economic conditions and unstable income. We calculate Beijing's social security according to the minimum base, and we need to pay 1622 yuan every month and 19464 yuan every year. As far as economic conditions are concerned,

Often these people have a better understanding of social security, and the reason why they are unwilling to pay is the economic situation, and now it is 19464 yuan per year, which will increase year by year in the future, resulting in increasing pressure on them to pay, so they choose to give up paying.

Buy any insurance, don't look at the present, look at the future.

Many young people think that they won't get sick at this stage, but they don't deny that they will get old one day. So I think the actual situation is just the opposite, but when looking for a job, they will take the initiative to ask: will they pay social security? I have a friend who hesitated to resign a few years ago. Because this unit doesn't pay social security, it just happens that social security has to be paid to taxes. With the implementation of the New Deal, the mentality has changed, and it depends on whether the unit can pay social security to employees under the intervention of the government.

Social security includes five insurances and one gold, and a good unit is six insurances and two gold, mostly a supplementary medical insurance and enterprise annuity. Judging from the payment situation, pension, medical care and work-related injuries are partly the responsibility of enterprises and partly the responsibility of individuals, and the proportion of contributions paid by enterprises is much higher than that of individuals. Therefore, social security is a kind of social welfare.

Why are some people unwilling to pay social security? I think there are two situations:

The first category refers to short-sighted people. Such people may also be forced by family pressure. After all, they have to deduct money from their personal accounts to pay social security. Although it is less than the part undertaken by the enterprise, it is still unable to bear it according to the current living conditions.

The second category refers to people who have a certain understanding of social security. For example, social security contributions are divided into two parts, but if someone dies before retirement age, only the part paid by the individual can be returned, and the part paid by the enterprise can be integrated into the society and cannot be completely returned. The social security mechanism is to use young people to support the elderly now. Once the demographic structure changes, there will be a deficit After all, the aging population in China has become more and more serious.

I heard that I can make up social security before. It is impossible for a person who has not bought social security now to make up social security from his present age. Although his retirement age is less than 15 years now, he can only make follow-up payment and delay retirement, so it is also beneficial to open an account early. In addition, the company undertakes most of the social security. Once he leaves his job, he has to pay 100% social security, so there is a unit to pay it.

There may be several reasons why people don't want to pay five insurances:

First, paying five risks is slow.

Many people think that paying social security is mainly a matter of pension benefits. Old-age insurance requires social security contributions 15 years, and you can't get a pension until you retire.

Many people think that retirement will be delayed in the future, and the time to receive pensions is likely to be over 65 years old, so there is not much enthusiasm. Moreover, the later the retirement age, the greater the risk of death, which is not cost-effective.

Second, be able to take risks.

Like medical insurance, many young people think they are healthy and have little chance of getting sick. If you really have a serious illness, then admit that you are unlucky. This is the mentality of many people.

Third, the burden of paying social security is heavy.

The social security of flexible employees is the social security that needs to bear the pension and medical payment. Pension insurance needs to pay seven or eight thousand yuan a year, and medical insurance needs three or four thousand yuan. The monthly pension and medical payment of Qingdao 20 18 is 980 yuan, which is close to 12000 yuan a year.

But in fact, as our lives get richer, we might as well pay social security.

The social security representative is comprehensive social security. Endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance correspond to different social security respectively.

Endowment insurance is a kind of insurance that can provide protection from retirement to death. It may be that long-term investment and payment are not cost-effective when individuals are young. When they are old, having a stable pension is a guarantee of absolute peace of mind and can effectively cope with various risks. The simplest thing to say is that you have to worry about saving money yourself.

Medical insurance actually covers three levels of social security: basic medical care, serious illness medical care and social assistance. Generally speaking, the higher the cost, the higher the amount and proportion of reimbursement. Most diseases can be cured by paying part of their own medical expenses, which can effectively avoid poverty caused by illness. Although the so-called universal free medical care has not been realized, the medical care that individuals participate in is more flexible and can effectively form expenditures at all levels according to their actual needs. In 20 18, the total national medical and health expenditure was about 5 trillion, and personal expenditure accounted for about 1/3.

Unemployment insurance is a kind of risk protection specifically for the situation that unemployment may face. The state pays basic medical insurance and unemployment benefits at the minimum wage level. Around 2020, the level of unemployment benefits will gradually increase to 90% of the average wage.

Of course, industrial injury insurance is the most powerful guarantee to deal with accidental industrial injuries. Not only the treatment of work-related injuries, but also various subsidies, pensions, compensation, nursing fees, disability allowances and even transportation expenses are fully guaranteed.

Maternity insurance is a comprehensive guarantee for maternity workers, including maternity expenses and maternity allowance. It will be included in medical insurance in the future.

If we feel that our present life is very good and want to maintain our present happy life, then paying social security is the most basic choice.

Hello, landlord. Now some people don't want to pay five risks, which is why this is a personal idea. We have no way to intervene, which is of course understandable. Because the ultimate goal of the five insurances is to realize the benefits of old-age and retirement medical insurance, of course, medical insurance can also be reimbursed at any time, so this is the benefits that the five insurances bring us.

In addition to this old-age insurance and medical insurance, it actually includes unemployment insurance, work injury insurance and maternity insurance. Unemployment insurance is mainly aimed at unemployment benefits after you lose your job, so this work-related injury insurance is mainly aimed at work-related injury risks, and you can enjoy the reimbursement of work-related injury insurance alone. Then maternity insurance, as its name implies, is mainly aimed at the reimbursement of maternity expenses for female employees.

So these five insurances and one gold are very important to us personally. Of course, it is understandable that many people are unwilling to pay. We always feel that we can't enjoy five insurances and one gold. Of course, this will happen, because some people may be far from the legal retirement age, so they may not imagine or seriously consider this pension, so this is why they don't want to pay the five insurances.

Thanks for reading, please add my attention.

The gradual disappearance of the demographic dividend and the constant adjustment of the national pension policy are the fundamental reasons why many people are unwilling to pay five insurances! Today, I will give money to support others. Who will pay for me tomorrow?

Since the reform and opening up, the family planning policy has something to do with the gradual decline of the demographic dividend!

The first clue can be seen from the slogans of family planning and old-age care over the years.

It is reported from time to time that the social security deficit in many provinces in China is unbalanced, and everyone who sees it will inevitably draw water in fifteen buckets-what a hurry!

Let's take a look at the main reason given by social security experts: the working-age population continues to decrease. China has entered an aging society, and the population over 60 has reached 220 million. This means that the dependency ratio of our society has dropped from the previous 3.3: 1 to 2.9: 1. It is precisely because the number of newly-added employees can't keep up with the number of newly-added pensioners every year that the proportion of employees' pension insurance contributions to the insured employees shows a downward trend.

The proportion of unemployment, work injury and maternity expenses is too low. Mainly talk about pension and medical care.

In fact, medical insurance is a good thing, because the cost of seeing a serious illness is sky-high for an ordinary family. Without medical insurance and commercial insurance, you can't afford to get sick when you are old, and the cost of paying medical insurance is usually lower than that of serious illness, so you usually say that you don't want to pay five insurances, basically you don't want to pay old-age insurance.

I don't want to pay endowment insurance for the following reasons:

1. The aging problem in China is getting more and more serious, and the retirement age should be getting bigger and bigger in the future, which means that the payment time is longer and the pension time is shorter.

Due to inflation, the money paid now will be a lot of money if it is compounded to retirement.

At present, the average life expectancy is basically 70 years. If you retire at the age of 60, the pension 10 years, and it is normal to pay for 30 years.

Those who don't want to pay social security are low-income groups with unstable jobs. Now food and clothing is a problem, what about the future?

Nowadays, graduates with high academic qualifications should not only ask about their salary, but also whether they have business trips, holidays, social security, provident fund and so on. Social security, in particular, is a very important one.

Those who ask not to pay social security are generally people with unstable jobs. For example, migrant workers from rural areas often have no social security at work. They occasionally find jobs and pay social security, but their wages are slightly lower. Some people have heard that they have to pay at least 15 years of old-age insurance, and they can't get it until they are 60 years old. They think it is impossible to pay enough for so many years. Now they are short of money and don't want to pay social security, so they take more.

As the saying goes, if you don't have enough to eat and wear, does it count? There is no need to discuss whether social security should be paid. It turns out that the unit has to pay social security to its employees. It is precisely because some smart-ass offenders ask the unit not to pay social security, and the legitimate rights and interests of those who originally hoped to find social security work have also been violated, and the only one who ultimately suffers is himself.

I'm Ye Qi, and I have rich social security knowledge. Welcome to pay attention.

Social security must be paid. This is a kind of social security. You can work now. When you are old and unable to work, you will have a pension to protect you. You can live. If you only pay attention to the present, you will not get a pension when you reach retirement age. At that time, you were too old to work, and it was impossible to rely on your children to support you. Nowadays, the pressure on young people is increasing. Don't bother them any more.

Nowadays, many people don't want to pay five insurances. Why? First of all, if the five insurances are mentioned, they are generally employees of enterprises, because only employees of enterprises buy five insurances at the same time. As a flexible employee, it is actually impossible to buy five insurances, only two, namely, employee pension insurance and employee medical insurance. Therefore, most people who don't want to buy five insurances come from the employees of an enterprise.

Why don't employees want to buy five insurances? There is a certain reason, because employees themselves need to bear a certain proportion of this social security contribution. For example, the pension insurance needs to bear the proportion of 8%, then the medical insurance needs to bear the proportion of 2%, and the unemployment insurance needs to bear the proportion of 0.5%. Therefore, on the basis of your own payment base, you need to bear the payment standard of 10.5%. So this payment standard is actually deducted from your salary, so your corresponding salary will also be reduced, which is a fundamental reason why many people are unwilling to buy five insurances.

And some units deduct the treatment of a housing provident fund. The deposit ratio of this housing provident fund is usually purchased at 12%, so this piece accounts for a large proportion. Then pay the housing provident fund enterprises, often deduct at least 500 yuan from their wages every month. Some units even charge more than 1000 yuan. So this is also a reason why many people are reluctant to buy social security.

Thanks for reading, please add my attention.