Therefore, under normal circumstances, as long as they work normally, their work units will buy employees a social security, so that they can enjoy social security benefits, and the minimum payment period of old-age insurance can reach 15 years, and they can enjoy basic pension benefits.
As an individual without a work unit, you can also pay our employee pension insurance in the form of flexible employment, so this situation is only flexible employment, because there is no work unit to bear most of the payment ratio for you, so for you personally, your payment ratio is relatively high, but you must also ensure that your pension insurance reaches 15 before you finally retire, so a payment period can guarantee your normal pension treatment.
Thanks for reading, please add my attention.
It's my pleasure to answer your question. My suggestion is:
Male friends born after (1) 1975, and female friends born after 1980, it is best to apply for social security immediately after seeing my answer. Men should receive pensions at the age of 60, and women should be 55.
(2) Male friends born from the beginning of1970 to the end of 1974 and female friends born from the beginning of 1975 to the end of 1979 should also apply for social security immediately after seeing my answer, but it should be delayed until the social security payment reaches 15, and the male is 60 years old.
(3) Female friends born from the beginning of1970 to the end of 1974 should also apply for social security immediately after seeing my answer, but they will delay paying the social security fee in one lump sum, and will not receive the pension until 15 years old.
Two, pay social security in the following forms.
(A) to pay social security for flexible employees
Friends who have worked in private enterprises (including migrant workers working in different places) but have not been provided with social security by their original units or have been temporarily employed as third-class personnel by state-owned enterprises, it is best for the flexible employees of the social security bureau where their household registration is located to pay social security, with the payment ratio of 20%, of which 8% will go into personal accounts, and 12% will be included in social security pooling accounts. The minimum payment base is 60% of the average salary of the previous year and the maximum is 300%, which is determined by individuals according to their own economic conditions.
(2) Farmers pay new rural social endowment insurance and new rural cooperative medical insurance.
If you are a farmer friend working in the countryside, you should pay the new rural social endowment insurance and the new rural cooperative medical insurance. At present, the payment grades stipulated by the state are 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan, 1500 yuan and 2000 yuan * * 600 yuan. There are differences in different places, but the highest payment grade standard does not exceed the payment period of local flexible employees participating in the basic old-age insurance for employees in principle, and both men and women must be over 60 years old to receive pensions.
(3) Urban residents pay social endowment insurance and basic medical insurance for urban residents.
Urban residents pay urban residents' social endowment insurance and urban residents' basic medical insurance, and the payment level is the same as that of the new rural social endowment insurance and the new rural cooperative medical insurance, with differences from place to place. Men and women must be over 60 years old to receive a pension.
People who have not paid social security are mainly divided into two categories: one is that they can't afford to pay social security; One is overconfidence and not paying social security.
Some netizens directly left a message saying, who knows what will happen after retiring? I don't know who will be there.
In fact, with the development of our economy, the increase of income and the improvement of living standards, there is no problem in satisfying food and clothing. Everyone should set aside a part of their savings for future pension to ensure their living conditions after losing their ability to work. It is generally recommended to set aside about 30% of income for savings.
There is an enterprise working in the enterprise that gives us endowment insurance. If the employer does not pay, we can defend our rights with the labor inspection department. The implementation of labor security laws and regulations will be more and more in place.
If you are self-employed, you can also pay endowment insurance. Don't be afraid of the heavy burden, pay 15 years to meet the basic conditions, and then decide whether to pay according to the income. The minimum payment base is 15, and the pension after retirement is at least 8900 yuan. It is no problem to meet the basic daily life. The pension will be adjusted every year, at least to ensure that it is consistent with the growth rate of everyone's salary level.
If the income is particularly low, you really can't afford to pay self-employment insurance. It is suggested that you should improve your knowledge, ability and level as soon as possible in order to get higher income. On the other hand, you can pay more flexible old-age insurance for urban and rural residents, the lowest grade is only 100 yuan a year, and the high grade can reach five or six thousand yuan or even ten thousand yuan.
As much as you can save, the government will give some subsidies on time. For example, Qingdao pays according to the grade of 1500 yuan, and the government subsidizes 100 yuan. This way, when you get old, you can save a lot of pension.
Without any old-age insurance, the country will not let us starve to death. Basic pension for urban and rural residents' old-age insurance that can be issued by the state. At present, the standard is 88 yuan every month, and the provincial and municipal governments give extra subsidies according to the local financial revenue and expenditure, and the national average level is between 130 yuan and 150 yuan. The basic pension of 100 yuan alone can't satisfy life at all, which is also the embarrassment that we haven't paid or accumulated the pension.
At that time, we either raised our children to prevent old age or applied for subsistence allowances. The minimum living conditions are still relatively strict. Families are not allowed to have more than a certain level of deposits, or to decorate household items beyond a certain level, or to publicize through the community, and so on. The living standard of subsistence allowances is very low, and medical security is also difficult to solve. Who can live such a life from mediocrity?
After 70 years without social security, more and more people are trying to pay social security now. I may not feel it after 80 s and 90 s. When they approach retirement, they will find the benefits of pension. However, at that time, due to the high base of payment, the income began to decrease after old age, and the important expenditure period of children's marriage and parents' old age was to be met, so the burden would be heavier.
Therefore, the planning of endowment insurance must be early.
Don't say that endowment insurance is not cost-effective. In fact, the endowment insurance is borne by the state finance. The government doesn't make a penny, and it subsidizes nearly one trillion yuan every year. If you save your own pension, on the one hand, your living standard will not be guaranteed when you are old, and you will not be able to make adjustments in line with economic and social development. On the other hand, the elderly have so much savings that they are likely to be missed. Paying endowment insurance is worry-free, relaxed and guaranteed, and it is counted every day. I'm really tired when I'm old.
To be fair, paying social security is a good thing. Paying social security with the same funds is more than getting pension funds from bank deposits, but I don't know why social security has been misinterpreted by some people, so now some people don't pay social security at work. There are still some people who want to pay social security, but the company won't let them, so there is no way.
For those born after 70, 80 and 90 who didn't pay social security, how should they provide for the elderly in the future? Judging from the actual situation, it is nothing more than the following situations.
First, pay social security now. Born after 70, the oldest is 50 years old and the youngest is 465,438+0 years old. For the post-90 s and post-80 s, they are even younger, and everyone still has time to pay social security. For example, people born in 1979 can pay 15 years of social security, and only need to pay 15 years of social security, and they can receive it normally when they are old.
Needless to say, after 80 s and 90 s, you have enough time to pay social security, and then you will receive a normal pension when you retire.
In the process of paying social security, you have many ways to choose, such as increasing the social security of enterprise employees, increasing the social security of flexible employees, or increasing the endowment insurance for urban and rural residents. You can choose the appropriate payment method according to your actual situation.
Second, pay social security when you are retiring.
At present, many places in China allow people who are about to retire to pay social security. As long as you pay social security 15 years, you can receive a pension, but the pension received in this way is not as much as that paid normally.
Third, get the minimum living allowance. If everyone is a low-income group, with limited family labor and limited income, there will be no pension when they get old. I believe that there will be some low-income measures in various places. For example, at present, the subsidy funds for low-income households in many places are more than 300 yuan per month, almost 4,000 yuan a year. When the post-80s and post-90s are old, I believe this minimum living allowance will be higher, at least to ensure that everyone has food.
However, it is unrealistic to live a comfortable old-age life by receiving subsistence allowances. After all, at present, everyone's consumption expenditure is relatively large. Compared with the various expenses of providing for the aged, the minimum living allowance of several hundred yuan a month is relatively small.
Fourth, relying on deposits to support the elderly. If you save more money and put it in the bank for a fixed period of time, or invest in Qian Shengqian through other financial management methods, it should be no problem for an ordinary retired person to ensure that he has more than 500,000 deposits, and then he can live a comfortable old age with compound interest after financial management.
However, if you have a small amount of savings, such as not even 200 thousand, then I think it is more difficult to live a comfortable old age.
Fifth, pay commercial insurance. Commercial insurance is very popular now. For those rich people, many people will buy commercial insurance to ensure a stable old age. For commercial insurance, you can choose the appropriate amount of compensation according to your own strength. The more you pay, the more pension you can get every month.
Sixth, relying on children to support the elderly If the above five methods cannot be realized, then you can only rely on children to support the elderly. If children are filial, life in their later years is estimated to be more comfortable, but if children are not filial, it is difficult to get protection.
Seventh, go to a nursing home. Nowadays, many places will open some nursing homes, which are specially used to take in the elderly who are helpless, childless and unable to take care of themselves. They just support themselves in the elderly hospital, and they can barely survive, but it is not realistic to live a good life for the elderly.
For the post-70s, post-80s and post-90s who didn't pay social security, we need to analyze why they didn't pay social security. I think it may be because of two reasons. The first one is that these people are unable to pay social security, or they have not paid social security because the unit is irregular. The second reason is that such people are conceited, feel that social security is not cost-effective, and deliberately do not pay.
Let's talk about the post-70s. For the post-70 s women, if they need to pay social security now, it is obvious that the payment period will not reach 15. But for post-70s men and all post-80s and post-90s, it is not too late to get insurance from now on, and it is no problem to pay 15 social security. If you pay social security normally, you can get a pension in the future.
If these people don't consider paying social security if they have enough time, they can only transfer the burden of providing for the aged to their children after retirement, and all the economic expenses and living burdens after retirement will be borne by their children. In fact, the pressure on young people is very great, because the aging society in China is very serious now, and all the pressure is on the younger generation. Young people need to struggle for life and stand on their own feet. If the old man is old, his life will be abnormal. Only children can support the elderly, and life can be said to be more difficult, especially for families with only children!
Those who are old and have no children to support them can only be left to fend for themselves. Those who have financial conditions can consider nursing homes, and those who have no financial resources really dare not think about it!
Therefore, paying social security is not only your own business, but also the burden of children's life. If you love your children, it will be far-reaching!
Thanks for reading, welcome to add my attention! At the moment when our old-age insurance system is becoming more and more perfect, those who didn't pay social security after 70, 80 and 90 should quickly participate in the old-age insurance for enterprise employees or choose the appropriate payment grade to participate in the old-age insurance for urban and rural residents from now on, and the basic old-age insurance in the future should not be a big problem.
Now, it is not a mistake for people in their 40 s and 50 s to start to participate in the old-age insurance for enterprise employees, because they will delay retirement in the future and start to pay now. Before the age of 65 at the latest, pay the old-age insurance premium 15 years, and then receive the basic pension.
For the post-80s and post-90s generation, as long as we can realize the importance of paying the endowment insurance for enterprise employees, there are many opportunities to participate in the insurance payment, and the time is also very sufficient. The accumulated payment has reached 15 years, and the time is not very urgent. How can we take good care of the elderly?
Even if the economic conditions of the endowment insurance for employees of the insured enterprises are not sufficient, they can fully participate in the endowment insurance for urban and rural residents and choose the grade that suits them. For example, you can pay 3000 yuan a year, 15 years. At the age of 60, I can get 400 yuan for at least one month. The basic pension should not be a problem.
The key lies in understanding, mainly in action. Pay close attention to the insurance payment now. Waiting and questioning cannot solve the problem of providing for the aged in the future.
At present, many people in China still have the concept that it is useless to pay social security. When they are old, they can rely on their children. In fact, preparing an old-age security for yourself can also make your old-age life more worry-free.
If they don't pay social security and want to make plans for their old age, some people will try their best to save money and buy real estate within their ability. I met a friend who saved money to buy a house and open a shop. Even if there is no social security in the future, the rent can be used to maintain his old age.
Others invest their income savings in financial management, or buy some commercial insurance for themselves, mainly because they are worried about their old-age health problems. If they are not sick and healthy, then life will generally not be too worried. In case of serious illness, insurance can also help reduce the burden.
Some people don't pay social security, not because they think social security is useless, but because they really can't pay social security. These people are all low-income people. If they haven't changed, they should rely more on society to provide for the aged and save money.
I think it is necessary to pay social security. My family and I have always insisted on paying. Maybe it's useless to look at money now, but in the future, it will be more comfortable to spend your own money.
If you haven't paid social security before, pay it quickly, or pay it again when you have a chance. As for other ways of providing for the aged, it is better to supplement them.
Social security after 1 After 70' s, 80' s and 90' s, a friend of the author worked as a freelancer for many years and never paid social security for himself. Later, I suddenly felt unwell. I went to the hospital and spent thousands of dollars at once before I realized the importance of paying social security. In fact, in addition to medical care, it is more important to consider the future pension.
Some people may think that instead of paying social security, it is better to take more money, deposit it in the bank and buy commercial insurance. However, if you calculate the account carefully, you will find it more cost-effective to pay social security. Suppose we now deposit 10000 yuan in the bank every year. After 20 years, at the interest rate of 4%, it will be about 290,000. Suppose we live to the average life expectancy of China people of 77 years, which is about 1 100 yuan per month. Imagine that after 20 years, there will definitely be no way to satisfy daily life. But again, we pay social security according to this figure. Assuming that we pay according to the payment base of 80%, after 20 years, the average salary may have risen to 1 000. According to the calculation formula of basic pension, our basic pension can reach 1800 yuan. What's more, we also have the accumulation of personal accounts, as well as the annual increase in pensions to cope with the pressure of inflation, and we don't have to worry about the problem of seeing a doctor when we are old, let alone the problem of living too long but lacking funds. So in contrast, the advantages of paying social security are enough. In the case of being able to pay social security, you still have to choose to pay.
2. If you haven't paid it yet, pay it to your male friend after 75, and it's still time to pay social security after 80 s and 90 s 15. For friends in their early 70 s, if it is too late to pay them back, look at the local policies and see if it is possible to pay them back. For those units that do not pay social security, it is necessary to discuss with the unit or reconsider. After all, basic old-age pension and medical insurance are the most basic guarantees in the future.
3. Other directions that can be considered Of course, in addition to social security, other ways of providing for the aged can also be considered as supplements, including deposits or other assets, commercial insurance and dependence on children.
However, these methods are not easy, and they all need to work hard when they are young. I saw someone resign and retire at the age of 35 in Shenzhen. Why do you have so much courage? Because you already have two properties, one for self-occupation, one for rent, and a lot of savings, you can guarantee a certain cash income without going to work. However, under such circumstances, people have also made arrangements for various insurances, including not only the most basic social security, but also serious illness, medical care and accident insurance. I am fully prepared for my old age. Of course, it may become more and more unrealistic to rely on children to support the elderly in the future. The only child is under too much pressure. If children are filial, there may be some protection.
Therefore, social security is our most basic guarantee. Friends born after 70' s, 80' s and 90' s who have never paid social security before may consider paying it.
Hey! This is the case with my relatives! Two sisters.
My sister is looking for a relocated household occupying land. A little compensation for demolition. Then the couple stayed at home, played mahjong and occasionally went to find something to do, but it didn't take long. I heard that my parents-in-law are in their sixties and are still doing odd jobs everywhere. The child born didn't teach well either. After graduating from junior high school, they stopped studying, stayed at home and lived on the demolition money. Let alone pay social security.
My sister has a family of four. My brother-in-law will be a hard worker, and my sister will be a mahjong player. I don't want to work at home for this hobby. I am often late for work, so my job often changes. My daughter got married last year with a bride price of 60 thousand. As soon as my sister and brother-in-law discussed it, they bought a car to play with. My son took the college entrance examination this year. I heard that he can only go to a junior college, and the annual tuition fee is tens of thousands.
This is the kind of family. Their father is my uncle. Ten years ago, when I was rich. My mother's sisters advised him to use the money to buy social security (he was a rural hukou and had policies at that time). If the money is not enough, everyone can help and then pay back the money slowly. Two sisters said, don't pay social security. If you pay the money, you will lose a lot if there are not enough people. Finally, my uncle chose rural social security instead of social overall social security. As a result, the monthly difference is now more than 1000.
The two sisters are also about forty. And I didn't pay social security. Their reason is: live and enjoy, if you pay the money, you will lose it! If people are still there, the state will take care of it! Don't let them starve!
Hey! I wonder if the country has such a policy. If you don't pay a penny, there may be a minimum living allowance.
Anyway. I paid all my social security! And personally, I don't think people who haven't paid social security should be provided with better protection. This will be unfair to those who pay social security!