Only 40 pensions are required, and some flexible workers are "forced" to give up social security
It is a well-known fact that workers in domestic enterprises want to pay social insurance. It's not just social security that can provide workers with medical security, pensions, etc. In addition, employees only need to pay a small part of the social security fees, and most of the social security fees are paid by the employer, which is a very money-saving thing for workers.
However, flexible workers are not so lucky, because they have to pay social security in full, and this kind of payment pressure makes many flexible workers feel pressured. Hence some flexible workers"Forced"Choose to give up Social Security.
When it comes to some flexible workers choosing to withdraw social security, many professionals will feel uncomfortable. Because according to the current social security regulations: if you withdraw social security, only 8% of the funds can be returned to the personal account. The remaining 12% of the funds allocated to Social Security** cannot be returned. In other words, flexible workers can only get 40% of their social security back. In addition, if flexible workers withdraw from social security, there will be no medical and pension protection, and the uncertainty of future life will also increase.
However, we believe that now some people are flexibly employed"Forced"The withdrawal from social security payment is also facing unspeakable difficulties, mainly due to the following four reasons: First, the level of social security payment has increased year by year, mainly because the tax base of social security payment is adjusted according to the average wage level of the local society. In addition, the incomes of many flexibly employed people have not increased, or even decreased. As a result, these flexibly employed people have only the option of withdrawing their social security contributions.
Secondly, many flexible workers do not consider it profitable to pay social insurance. According to the regulations, flexible workers must retire at age 60 and receive a pension until age 68 to recover the principal. If retirement is postponed until age 65 in the future, they will have to live to age 73 or older to recover their principal. In this regard, many flexible workers are worried that they will not live that long, and even if they pay social security, it will be difficult to recover their old capital. As a result, some flexible workers do not consider it cost-effective to continue paying social insurance contributions.
Third, the economic pressure is greater. After more than three years of the pandemic, there has been a crisis in all walks of life, and the income of many flexible workers has declined. It is a problem for these flexible workers to support their families, and they do not have the financial ability to continue to pay social security. As a result, many people can only decide to reduce their social security contributions. It is clear that these people have reduced their social security contributions because their income does not allow them, and intend to resume them in the future when the economic situation improves.
Fourth, many people are worried that the conditions for receiving pensions will increase in the future. According to the current social security regulations, the minimum number of years of social security contribution is 15 years, and as long as you have paid for 15 years, you can receive a pension. However, if the minimum number of years of social security contributions is increased to 20 or even 25 years, this means that flexible workers will have to pay more years of social security contributions before they can receive a pension.
It is true that it is inappropriate for some flexible workers to cut their social security contributions. However, as a social security policy, it is necessary for us to fully consider the actual situation of the financial pressure of flexible employees and create more favorable conditions for them to pay social security contributions. For example, social security for flexibly employed people can be divided into several levels, and each person can choose the contribution level according to their income.
At the same time, due to the poor economic environment, some flexible employees face difficulties in paying due to reduced income, and social security** should allow them to suspend their contributions, and then deduct social security contributions after the economic conditions improve. Only in this way can we effectively alleviate the problem of flexible workers reducing social security contributions.