Take me and my friends around me for example, if it is not stipulated by the state, we really don't want to pay social security. Young people rely on their own efforts, and at the same time provide themselves with several commercial insurances (critical illness insurance, outpatient insurance, pension fund). They will work hard in their prime and have security in the future. The current social security is really three melons and two dates.
Of course, there are still some people who have no way or confidence to protect their future because of physical or other reasons. These people really need social security.
Therefore, if the country can be fairer, we should allow everyone to pay social security voluntarily and encourage the younger generation to rely on their own efforts in exchange for tomorrow's security.
If you don't buy social security, there will be little hidden danger after being dismissed. The main impact is the collection of unemployment benefits. If you don't buy social security, you can't enjoy unemployment benefits after being dismissed.
First, being dismissed for not paying social security has the greatest impact on receiving unemployment benefits, but for many people, unemployment benefits have little effect. 1, the standard and time for receiving unemployment benefits are low.
For many people, the standard of unemployment benefits is basically negligible, because the current monthly standard of unemployment insurance is lower than the minimum wage standard in this city and higher than the minimum living standard for urban residents in this city.
At present, the highest and lowest wages in provinces and cities are only more than 2,000 yuan, most of which are 1000 yuan. This amount has little effect on many people.
2. There is a limit on the number of months to receive unemployment benefits, and if you get re-employed, the benefits will be automatically cancelled.
There are still restrictions on the number of months to receive unemployment benefits. After working for five years, you can only receive 12 months at most, and once you have a new job and pay social security again, you can't continue to receive unemployment benefits.
So unemployment benefits may not be important to many people. In other words, for a dismissed employee, if the social security is not paid, the impact is not great, not the so-called hidden danger is full. Even if you are dismissed and want to appeal for economic compensation, you should not look at social security, but at the labor contract.
Second, can you really write a statement without paying social security? The answer isno. At present, social security is required by the state to be purchased by enterprises. Even if an individual applies to give up buying social security and declares that not buying social security has nothing to do with the enterprise, the enterprise has no right not to buy social security for its employees. It is the right and obligation of an enterprise to buy social security for every employee.
Third, why does everyone think social security is useless? Why do more and more people don't want to pay social security, especially after 80 s and 90 s? The concept of "social security is useless" has always existed. If you cannot pay, many people may choose not to pay. Let's discuss a question, is social security really useful?
The theory of social security uselessness may be related to the fact that everyone can't see hope and thinks that social security is too heavy. At present, the personal contribution of social security is about 1 1%. People with a monthly salary of 5,000 yuan have to bear the personal social security of 550 yuan. For a young man, this is really a bit too much. There are many financial and insurance channels to choose from now. If you use this penny to buy commercial insurance every month, you may get more benefits. I don't know.
What most people see is that there are still many years before retirement, and with the increasing voice of delaying retirement, they don't want to bet their money on the unknown future.
But in any case, social security is the basic guarantee. If there is no hope for the old-age insurance, the current medical insurance can be said to be the real welfare at present, and the reimbursement ratio is relatively large, which can also be used at present.
Then some people may wonder whether it is possible to buy only medical insurance and not other insurance. This is also impossible. Endowment insurance, medical care, maternity insurance, unemployment insurance and work-related injury insurance should be compulsory to buy together. There is no need to buy things that are not bought separately, but should be bought together. Therefore, as workers, although reluctant, but still have to pay.
If you don't want to pay, you can only comfort yourself from another angle. As for the proportion of social security, workers are around 1 1%, while companies are mostly around 32%, which bears more expenses, and companies spend more on hiring an employee.
So in the current state, I don't want to pay for whatever reason, but I still have to pay social security.
Generally speaking, whether the dismissed person has social security has little influence and limited influence. However, for ordinary workers, social security is necessary in the long run, although better protection of interests cannot be seen in the short term.
Now many young people are reluctant to pay social security, especially those migrant workers from rural areas. Some places may not have social security. Once they leave their present unit, they worry that they will pay for nothing.
Young people feel that the retirement age is still far away, and they don't know what will happen in the future. And the social security base is increasing year by year. Some units pay more and individuals pay less. People who start their own businesses pay more than 1000 a month in social security, which is not much for those who make money, but a bit difficult for those who don't.
Nowadays, many people didn't pay social security when they were young, and when they reached retirement age, they tried to pay social security again. Although the pension of ordinary employees is not much, it is still possible for the elderly who are unable to work to solve their own food and clothing problems as long as they are in good health.
Social security is the basic old-age security. I have always wondered why some people think social security is useless, while I, a 50-year-old person without social security, try my best to get it. Social security only saves money for old age, and the minimum payment is 15 years. Pay more, you will get more. No one will use you. If you don't pay now, you won't be able to make a fortune when you are old. Who will pay for the pension, or the state will pay again? Of course, there must be no poor people around you, and old people who have no living difficulties keep saying that social security is useless. If so, please think about paying social security when you are young. Social security is ultimately subsidized by the state, and the state will not let you make money. Think about the pensions of hundreds of millions of rural people. Although it is only a few tens of dollars a month, it has not been paid or paid for fifteen years, and it is all given by the state. If you have money and ability, you can not pay social security. As long as you are old and have the ability to support yourself, don't reach out to the country. Of course, commercial insurance can, but it is never stable.
A teacher in Nanning took the initiative to apply for giving up buying social security. After being dismissed, the hidden dangers are full. How important is social security?
It is illegal for an employer to sign an agreement with employees to exempt social security, and the agreement is invalid and has no legal interest. There is a labor relationship between employers and workers. No matter whether the employer fails to pay social security in any form, this behavior is a violation of the labor law and the employer is extremely irresponsible. According to the relevant provisions of the Labor Law, the employer must sign a labor contract with the employee and purchase social insurance within one month from the date of recruitment, so it is compulsory to purchase social insurance. (Special population: Except for the graduate interns recruited by the company, part-time employees only need to pay work-related injury insurance. Part-time job here refers to people who work no more than 4 hours a day and 24 hours a week. )
It is illegal for the employer to violate the provisions of the labor law and not pay or pay social security according to the regulations, and it needs to bear corresponding legal responsibilities.
For example:
First, the laborer has the right to terminate the labor contract, and the employer shall pay economic compensation to the laborer according to the standard of paying one month's salary every full year. For more than six months but less than one year, it shall be counted as one year; If it is less than six months, economic compensation of half a month's salary shall be paid to the workers.
Second, if the employer fails to pay the social insurance premium in full and on time, the employer shall pay the social insurance premium and pay a certain late fee to the social insurance premium collection agency.
Therefore, it is suggested that employers pay social insurance for workers according to regulations to avoid relevant legal risks.
I use my own personal experience to answer this question. I think the teacher was fooled by others. I am a teacher and gave up social security for 8 years. As a result, I paid all the medical expenses myself. The seemingly high salary I earned soon bottomed out. It is terrible to think that there is no income and disease in old age. Some people say that children will be filial. This is a false proposition. The child is under great pressure and too busy to take care of himself. Where will they care about you? Therefore, after paying social security, the basic pension is guaranteed, the basic medical insurance is guaranteed, unemployment is guaranteed, accidents at work are guaranteed, and provident fund loans are available to buy a house, which is much lower than commercial loans. Why not? I have paid 10 years of social security, and my heart is very practical. Because social security is a national act, including pension, medical care, unemployment, work injury and maternity. I suggest you don't listen to people's bluff, lest you regret it for a lifetime.
Some units are forced to pay social security. If everyone doesn't pay, where will your mother's old man get a pension? In this case, you may jump higher. Unless you have millions of savings at retirement age or a good wife who is willing to support you with a lot of money, you really don't have to pay social security.
I thought it was about unemployment insurance, but the interviewee didn't mention it.
On-the-job teachers participate in the following types of insurance: old-age insurance, occupational annuity, basic medical insurance for urban workers, large medical insurance, Medicaid for civil servants (career reference), unemployment insurance, industrial injury insurance and maternity insurance.
If he doesn't attend, he is a big fool. First of all, unemployment insurance, the payment standard in Guangxi is 0.5% of the wages paid by the unit and 0.5% of the wages paid by the individual. If the accident leads to unemployment, you can receive unemployment benefits for three months, two years and six months, and three years and nine months. The monthly amount is the basic salary of the average salary of the previous year, which is about 1500- 1600 in my place.
Then, the endowment insurance of government agencies and institutions began to pay endowment insurance from 20 14 and10 June, but this insurance is higher than AG. In addition to 20% paid by the unit and 8% paid by the individual, there are also occupational annuities, 8% by the unit and 4% by the individual.
Medical insurance: 8.5% for the unit and 2% for the individual, but 5% for the unit and 0 for the individual plus medical subsidies for civil servants. 66% of the unit's contribution is included in the medical insurance account. Don't be silly, don't be silly, don't be silly, Cary has 2000 yuan more than people in the enterprise a year. You also pray not to get sick, or you will accidentally return to the commercial medical insurance before liberation, but you will not pay for this or that, even if you lose it next time.
Do you want to work-related injuries? Don't ask others for compensation if something happens. This is 0.4% for the company and 0 for the individual.
Maternity insurance unit 0.5%, individual 0, your wife can be reimbursed for giving birth to a child.
A teacher in Nanning took the initiative to apply for giving up buying social security. After being dismissed, the hidden dangers are full. How important is social security? It is unlikely that the teacher you mentioned will voluntarily give up social security, unless he is a teacher in a private school or a teacher outside the establishment. According to the current system, individuals cannot give up paying social security.
According to our understanding, teachers belong to the staff of public institutions. In the past, China's institutions paid social security, which was a pilot stage. Many places started before 1999. However, after the government agencies and institutions officially started to pay the old-age insurance on 20 14, the old-age insurance paid during the previous pilot period was not paid according to it.
Those who retire after 20 14 and 10 belong to middle-aged retirement. Pensions are calculated by comparing the old and new methods, and the high pension calculated by the new method is implemented according to the calculation results, but the high part calculated by the new method is calculated according to the ratio of transition period 10. This is what we call the old-age pension reissue and the old-age insurance premium paid during the pilot period.
Judging from the arrangement of this system design, it is impossible for teachers in public schools to voluntarily give up their social security. First, as a national public official, social security is actually a kind of welfare treatment, and no teacher with a career establishment will be stupid enough to give up his social security; Second, it is compulsory for public teachers to pay social security. Even if individuals are willing to give up social security, the unit will not give up. Except for the unit payment, the individual payment is withheld from the salary, which I can't let go of.
The teacher you mentioned in Nanning belongs to an supernumerary teacher or supernumerary teacher and can give up social security. As a public institution, every penny of the school is a financial budget allocation, including unit contributions. If contract teachers give up paying social security, part of the unit budget can be saved, but contract teachers may lose money.
Teachers in private schools may also voluntarily give up social security. Teachers in private schools belong to private non-enterprise units, just like public schools. They all pay endowment insurance to employees of enterprises, not to institutions. Since every penny saved by private schools belongs to the boss, although it is illegal to give up social security, individual teachers will not affect the overall image of the school.
However, as a teacher, as a knowledgeable and literate person, it shows that teachers' social security awareness is still relatively weak. Be fired after giving up social security. Apart from the compensation given by the school according to the length of service, he can't get unemployment insurance and is not as happy as an ordinary worker. As the subject said, it is full of hidden dangers.
Giving up social security means that there will be no pension in the future, and the future pension problem can only be raised by children. Although the annual salary of teachers may be higher now, there is still hope if we can save some money for the elderly. If they can't save money, their old age is not very happy. More importantly, I gave up social security. Not only do I have no pension insurance, but I also have no medical insurance. I had to spend my own money when I was in hospital. Now medical care itself is a bottomless pit, and a serious illness may spend all your savings.
To sum up, a teacher in Nanning took the initiative to apply for giving up social security, which is generally not allowed by teachers in public schools, and the leaders of public schools absolutely disagree with this wayward behavior; Teachers who are not in the editorial department or teachers in private schools may not only have hidden dangers when they are dismissed, but also have no pension and medical insurance when they reach the legal retirement age. In the end, they may only be able to cope with their own disease risks by applying for residents' medical insurance.