In recent years, there have been more and more social security refunds. Usually, the employees of enterprises pay social security because the unit pays the big head and the small head themselves. Therefore, employees of enterprises rarely return social security. Among the people who have returned social security, the highest proportion is flexible employment. The main reason is that flexible employees have irregular jobs, unstable incomes, and have to pay social security in full, which is conceivable as a result. Therefore, there are a large number of flexible employees who choose to stop paying social security.
However, according to the relevant regulations, the proportion of individual social security contributions reaches 20%, of which only 8% is allocated to personal accounts, and another 12% is allocated to social security**. This means that if the flexible employee returns the social security payment, he can only get the 8% of the personal account, and the other 12% of the money allocated to the social security** cannot be returned. In other words, only 40% of the social security contributions paid by individuals can be refunded.
If a flexible employee pays 100,000 yuan of social security, once he chooses to return the social security, he can only return 40,000 yuan. This is a significant loss for those who are flexibly employed. Despite this, there are still a large number of flexible workers who have their social security contributions withdrawn, so what are they worried about?For this reason, we believe that there are three main reasons:
First, I don't think it's cost-effective to pay social security. Now China's legal retirement age is 60 years old, if you retire on time to get a pension, basically to 68 years old can recover the old capital, and once the retirement age is extended to 65 years old, it will not be until 73 years old to recover the old capital. According to the data, the average life expectancy in China is only 77 years. In this regard, many flexible employees feel that they have to pay social security for an extra 5 years before they can receive a pension, and if they do not live to the age of 73, it will definitely not be cost-effective.
Second, the economic pressure is particularly high. After three years of the epidemic, many flexible workers have reduced their income or lost their jobs, but they still have to bear the pressure of housing loans and car loans. In the eyes of these flexible employees, in addition to desperately earning money to support their families, they also have to repay their monthly mortgages and car loans. As for the payment of social security, for flexible employees, they can only take care of their immediate life now, and they will not be considered for future security.
Third, the cost of social security is ** every year, and many flexible employees feel deeply stressed. It may be that for on-the-job employees, they only need to pay a small amount of social security, and the employer will pay a large amount. Even if the social security fee is ** every year, the pressure of payment can be reduced a lot.
For flexible employees, they have to pay social security in full, even if it is according to the lowest level, at least more than 1,100 yuan per month. However, the income of flexible employees is unstable, so that they can bear such a large amount of expenses, many people often decide to return social security, and then choose to save for retirement.
In the face of the current phenomenon of a large number of flexible employees returning social security, we still have to advise everyone that if you have the ability to pay social security, try not to choose to return social security, not only because only 40% of the cost can be returned, but also in the future pension, medical care and so on will lose security.
At the same time, we should also suggest that the social security department, in addition to reducing the payment standard of flexible employees to reduce their payment pressure, should also allow flexible employees to postpone the payment of social security when their income decreases and it is difficult to pay, and then allow them to make up the previous social security fees after the income of flexible employees recovers after this period. Only in this way will the phenomenon of social security withdrawal gradually decrease, or even disappear.