#精品长文创作季#
In recent years, people have paid more and more attention to the issue of old-age security, so the discussion about social security has become more and more intense.
At present, there are two main forms of social security payment in the mainland, the first is relative to people who do not have a fixed job, and they need to pay pension insurance in accordance with flexible employment.
The second is the need to participate in the pension insurance of urban and rural residents.
For those who need to pay their own pension insurance, many times because of their own negligence or the cost of insurance is too high, there will be a situation of missing or even discontinuing the payment of social security premiums.
If you find that the payment period is not enough before retirement, you can make up the previous arrears at once.
However, from 2024, the state will no longer allow everyone to make supplementary social security contributions, why is there such a regulation? What are the implications?
1. Why can't social security be paid?
At present, the retirement system in mainland China stipulates that when the statutory retirement age is reached, if the social security payment period has been met, you can go through the relevant procedures for retirement and start receiving pensions.
However, there are some people who do not trust the social security contribution system, and they are afraid that they will not be able to return the money they have invested when it is time to retire.
This kind of distrust will also lead to many people not paying attention to their own social security contributions, and even often break the payment.
As more and more insured people receive pensions after retirement, these people who are skeptical gradually begin to think that the social security system is still very good.
Therefore, there are some people who did not pay attention to paying social security when they were young, and when they are about to retire, they choose to pay the arrears of social security premiums in a lump sum.
This practice was allowed before, as long as you want to make a supplementary payment, the social security department will go through the relevant procedures for you, and you can still receive the pension normally after retirement.
However, this year, the state has issued new regulations, and from this year onwards, social security can no longer be paid.
This change is difficult for many people to accept, and many people even say that they do not understand why there is such a rule.
In fact, the main reason for the state's practice is to maintain social fairness, but also to promote the good promotion of the social security system.
So why is it said that the back-up payment is very unfair? After all, this part of the money is also paid a lot, isn't this part of the money paid late isn't the money?
In fact, this situation is related to our country's social security system.
Part of the social security fees that everyone pays now goes into their personal accounts, and the other part is diverted to the overall account, and the funds in the overall account are not at the disposal of individuals.
This part of the funds that are diverted into the pooled account is used to pay pensions to the current elderly.
If social security can be paid at will, it will be a sabotage to the overall system of social security.
It will affect the balance of social security to a certain extent, and will also lead to the destruction of the mutual aid and mutual aid nature of social security.
Many people are reluctant to pay social security in normal times, and they have been delaying it all the time.
It is not until it is found that there is a physical problem that the social security is paid in order to be able to enjoy more medical insurance services.
This behavior means that they did not contribute much to the social security system at the beginning, but they can still enjoy social security resources after making supplementary contributions.
For others who pay their fees on time and on point, the retroactive payment is very unfair.
In order to solve this problem, the state has also continuously improved the current social security system, especially in the supplementary payment system.
The system that does not allow supplementary payment is mainly aimed at the phenomenon of one-time payment by individuals, if it is due to the failure of social security due to the enterprise, within the specified time, this part of the loss can still be recovered.
If there is already a phenomenon of non-payment of social security, there is no need to worry too much.
As long as you pay the contributions on time and continue to accumulate the number of years of contributions, you can still receive a pension when you reach retirement age.
Second, the social security can not be paid back or lead to four major problems
Many people's current social security contributions have been missed or interrupted, so now the behavior of wanting to make up the payment is also prohibited.
In such a situation, what kind of problems will arise if social security cannot be paid?
First of all, the first problem is that it will lead to the delay of retirement, and many people now have a big misunderstanding about the receipt of pensions.
That is to think that as soon as we reach the age where we can retire, we can start receiving pensions.
But in fact, there is a certain loophole in this idea, that is, whether we can receive a pension depends on the previous payment period.
For example, if we plan to retire at the age of 50, we need to pay for pension insurance for a minimum of 15 years.
According to such a long period of time, people need to pay pension insurance contributions from the age of 35.
If there is a break in the payment process, you will not be able to receive a pension until retirement age.
You must wait until your pension insurance contribution period meets the condition of 15 years before you can start receiving a pension.
Not only that, the interruption of payment will also lead to a shortening of the cumulative time of payment, then the money stored in our personal pension account will be less, and the money finally sent to the hand will also be reduced.
The second problem is that the reimbursement of medical insurance is impaired, and now when participating in the work, the unit will buy five insurances for employees, including pension and medical care.
Unlike endowment insurance, the current payment period for medical care will be longer.
However, many people still choose to combine medical care and pension and pay for the same number of years.
The main purpose is to enjoy better pension and medical insurance benefits after retirement.
If you stop paying social security fees for a long time, the continuous payment period of medical insurance will also begin to be recalculated, resulting in a certain impact on your medical reimbursement ratio.
The third issue is the issue of settlement, when people leave their hometowns and choose to develop in other cities, the stability of their jobs will also make more people want to move their hukou.
Settlement policies vary from region to region, but many places also link settlement with social security contributions.
Let's take Beijing as an example. If you are a migrant working in Beijing and want to settle down in Beijing, you need to have a social security payment record in Beijing for more than 7 consecutive years.
This also proves to a certain extent the importance of continuous payment of social security, once there is a phenomenon of broken payment will also have an impact on the settlement.
The fourth problem is that buying a car and buying a house is blocked, and for many people now, garages are a necessity.
Buying a home in some small cities may not be very restrictive, as long as you have enough money to own a house of your own.
But buying a house is not an easy thing to do in big cities.
In order to provide more convenient living conditions for local office workers, government departments will make certain requirements for the social security of buyers when selling houses.
For example, if you want to buy a house in Shenzhen, you must have a social security record of 60 consecutive months.
At the same time, if it is found that the social security payment has been interrupted for more than three months in the first five years of buying a house, then the requirements for buying a house will not be met, resulting in a failure to buy a house.
Therefore, if you are a non-Shenzhen hukou and want to own a house in Shenzhen, you should pay social security honestly in your daily work and life.
If you want to buy a car in Beijing, you also need to look at the social security payment record, and you must have the local social security payment record in Beijing for more than five consecutive years, and there can be no interruption of payment in the middle.
This also proves once again that many places attach great importance to social security contributions, especially the low tolerance for non-payment.
Therefore, in order to avoid the above four problems, we should still actively pay social security in ordinary times.
Don't just cut off your social security contributions because of a whim. If you try to make up for it later, there will be more and more problems.
3. How to avoid missing or interrupting the payment of social security
Through statistical surveys, we can find that the phenomenon of non-payment or non-payment of social insurance is very common in the mainland.
As a result, when the news of the non-payment of social security came out, it triggered a heated discussion among many people.
So why is there a phenomenon of missed payment and payment default? And how can we avoid it?
There are two reasons for this phenomenon, the first is due to the negligence of the work unit, and the second is due to the shortage of personal funds.
At present, the implementation of social security payment in many units is not in place, and many processes are not standardized.
In order to be able to find more suitable employees, many companies set up very long internship periods, and the employer does not pay insurance premiums for these employees during the internship period.
Therefore, a person may have paid social security in a very timely manner, but after changing jobs to a new company, he needs to undergo an internship period.
It took several months before the company bought social security.
In order to avoid this phenomenon, it is important to understand the questions about social security at the beginning of the job search.
In particular, it is important to ask about the company's social security contribution ratio and when it officially starts to pay social security.
In the middle, if the company cannot pay in time, you can use the individual payment method first, so as to avoid the phenomenon of disconnection.
If it is due to insufficient personal funds that lead to the phenomenon of disconnection, then you can pay according to the minimum payment base at ordinary times, so that the pressure of social security payment every month is not so great.
If you have more funds in your hands, you can further increase the base of contributions, which is also conducive to receiving more pensions after retirement.
epilogue
The original intention of endowment insurance is to hope that everyone will participate in more insurance and pay premiums when they are young, forming a virtuous circle of benefit sharing.
If you want to not pay the contribution in normal times, it is very unfair to the entire social security system and those who pay social security on time when you finally retire.
This way of making up the payment will also have four kinds of adverse effects, so we must actively pay social security fees at ordinary times, and do not break or miss the payment at will.
The way to make the final payment has been banned by the state, so it is better to pay the fee on time and in a down-to-earth manner.
Resources:
"In 2024, why is the state not allowed to make up social security payments? may lead to four major problems" Historical viewing 2024-06-14
"In 2024, why doesn't the state allow the supplementary payment of social security? Take a look at these reasons, it's very important" Social Security Little Expert 2024-06-11
"In 2024, why is the state not allowed to make up social security payments? It may lead to four major problems 》Black Science and Technology Research Institute 2023-06-10