Is social security really a scam? Let's discuss it today.

I found the definition of social security in Baidu Encyclopedia: the main items of social insurance include endowment social insurance, medical social insurance, unemployment insurance, work injury insurance, maternity insurance and so on.

So we see that social security has five guarantees: pension, medical care, maternity, work injury and unemployment. However, most people who define social security as a Ponzi scheme only regard social security as a pension. Can't say stupid, can only say ignorance!

For example, in Guangzhou, Zhang San pays 28 1.58 yuan/month, and the enterprise pays 638.38+08 yuan/month. The individual part of the endowment insurance is 202.32 yuan/month, and the total annual payment is 2428 yuan. Based on the annual growth rate of 10%, the total contribution of old-age insurance for Zhang San after 15 is 77,000 yuan. If Zhang San 15 just retires, he will get a pension of 2000 yuan/month (65438). In 20 10 years, the average life expectancy in China is 74 years (it may be extended after 15). Even if retirement is delayed until the age of 65, there are still nine years to receive the pension, and the total amount will be 2 16000. Explain what? It means that you spent 77,000 yuan on 2 1.6 million yuan (including inflation). Who is the biggest loser? In fact, it is the country and enterprises, and the output will always be large!

I believe many people will say: You promise to get 2000 yuan/month after 15, maybe the country will not get any money then! I say this: Do you think a country dares to abuse 450 million retirees? Don't say that you get 2000 yuan a month, even if it is reduced to 1000, at least you can get your money back!

On the other hand, after a scam is exposed, no one will go in again, and a scam without cash withdrawal is not a scam. If you insist that it is a trap, you have to bite your teeth and jump in. Such people are either retarded or talking nonsense. Some people say it was forced by the government. I said if it wasn't mandatory, would you not buy it? What should you do if you are hospitalized, injured and unemployed? Unless you are a millionaire above 10 million, there is only a serious illness between you and bankruptcy. What should you do in the face of high medical expenses? On your own savings? Is it possible to transfer our hard-earned money to the hospital at a discount in our later years? Become a wage earner who works for the hospital all his life? This is another major benefit of social security.

Give another example of Shenzhen. When I was hospitalized in Shenzhen, I spent 654.38 million yuan. If he is within the scope of medical insurance, he can basically reimburse about 90 thousand. In fact, the medical insurance fee he paid a year was about 654.38+000 yuan, and he got 90,000 yuan for reimbursement! Not to mention medical care, as well as maternity, work injury and unemployment insurance. Maternity insurance in Shenzhen 100% reimbursement, as well as a one-time work-related death subsidy of about 500,000 yuan for work-related injuries.

So it is necessary for everyone to know about social security. Although it also has its limitations and disadvantages. For example, under the dual-track pension system with China characteristics, civil servants do not pay social security for life, but their retirement income is three times higher than that of retired workers. Moreover, the state is now formulating a plan to cancel the dual-track system. I'm not a government official, so there's no need to brag about how good public security is. I just think that a regime can't ignore the vital interests of the people of the whole country. And the dual-track system itself is a very abnormal system!

In recent years, the topic that social security is a Ponzi scheme has been circulated on the Internet, which has been amplified by many people intentionally or unintentionally. It is better to buy commercial insurance than to exclude commercial insurance companies and advocate the futility of social security. I would like to ask, which commercial insurance company dares to set up social security products? Pension+medical care+work injury+maternity+unemployment? And individuals only pay 153.84 yuan (Shenzhen) per month. At present, the average pension in Shenzhen is 3070 yuan/month, and the medical insurance reimbursement is 90%. The maximum amount of work-related injuries is about 500,000, maternity reimbursement 100%, and unemployment benefits. How much do you think you need to pay each month if you can meet this guarantee?

Commercial insurance on the market can't have such a product! Explain what? Social security itself is an unprofitable security insurance! Be reasonable, my dear friends!