Some flexible workers are forced to withdraw from social security, what are they worried about?
Only 40% reimbursement for some flexible employment positions"Forced"Withdrawing from social security, what are they worried about?
For those who work flexibly, social security is both a protection and a burden.
In the past two years, with the rise of flexible employment models and the intensification of competitive pressure on the labor market due to internal and external environmental factors, more and more people have joined the ranks. But at the same time, they are also faced with social security options.
According to the current regulations, the proportion of social insurance contributions paid by flexibly employed persons is 20% per person, of which 12% goes to social insurance** and 8% to personal accounts. In other words, they do not have the advantage of being a company employee, and all social security costs must be borne by them in full.
In recent years, many people have opted out of social insurance programs for a variety of reasons, even though the amount refunded is less than half of the initial contributions. What makes these people with flexible jobs choose to give up their insurance when they know they can only get 40% back? What were their concerns and concerns in making this decision?
01 Current status of withdrawal of social security for flexibly employed persons.
The importance of social security to all of us cannot be overstated! However, the reality is that more and more people are opting out of the social security system, especially those who are flexibly employed, even though they receive much less than they initially contributed. The reasons for this are manifold. There are several reasons for this:
1.It doesn't feel economical.
Some people have roughly estimated that with the postponement of the retirement age and the increase in the number of years of contributions, if both changes are calculated at the maximum, if you want to receive a pension and achieve the goal of returning to your capital, you will have to live to at least 86 years old.
However, today, when the average life expectancy in our country is only 75 years old, some people are not confident in their longevity and choose to reduce their contributions and pay them back.
2.The economic pressure is too great.
In recent years, the general environment has not been optimistic, and many people have faced salary cuts or even layoffs due to the decline in corporate efficiency. The situation is even more dire for flexible workers who do not have stable jobs. In addition to not having a stable income, the pressure of monthly housing and car loans is still very high, and even the full cost of social security has to be borne every month.
With incomes falling sharply, many flexibly employed people may no longer have the money to pay social insurance contributions. Some people have the idea of reducing their contributions or even surrendering their insurance policies to withdraw money rather than having no money to pay. After all, it is too difficult to make money now, the price is **, and life must be carefully calculated. In this way, they can do something else, which is better than exhausting and tired!
3.Worry about extending payment terms.
Some uncertainties are also the main reasons why some flexible workers lose hope and choose to reduce their contributions and give up insurance. For example, the retirement age is constantly increasing, and the contribution period is getting longer.
Currently, the minimum number of years of social security contributions is 15 years, and if it is actually adjusted to 20 or even 25 years, this means that the amount of contributions will have to increase and the age of receiving a pension will also increase.
It is expected that this will increase the anxiety of those who have been slow to participate in the program, thereby reducing their willingness to participate in the program.
Donations are increasing year by year.
In fact, the main reason why many people give up participating in insurance is that the contribution base is increasing year by year, and in the case of unstable employment and income, this practice of fully bearing the cost of flexible employment for a long time is undoubtedly a big mountain.
For example, in some 18th-tier small towns, the social security and medical insurance contributions in the early years were only **100 a year, but now the lowest grade of social security and medical insurance has risen to more than 1,100 yuan.
If the contribution period is longer, some flexible workers will choose to forgo insurance after weighing the pros and cons.
Of course, there are also some people who feel that they are young and strong and do not need this kind of protection now, and would rather use the money to invest or do other things, so they choose to abandon the policy.
Photography. 02 Post income risk.
Withdrawing from social security means giving up social security. Social security is not only pensions, but also includes medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. These are all important protections for us in the event of difficulties or accidents.
If a person withdraws from social insurance, it means that he has to bear all the risks, and in the event of illness, unemployment, injury or childbirth, he may face great financial pressure and even lead to the bankruptcy of the family.
1) When the insurance is cashed out, the pension disappears, which means that the quality of life after retirement will be severely affected.
2) Waiver of Social Security will not only affect your pension insurance, but also your medical insurance benefits. If you get sick and need**, you will have to pay for all medical expenses out of pocket.
In addition, the waiver of insurance also affects the purchase of a house, the entry of points into the household, and even the schooling of children. For example, to buy a house in Shenzhen, you need to pay social security premiums for a certain number of years, and the social security years are different in different regions. Generally speaking, families outside Shenzhen have to pay social security contributions for more than 5 years, while families in Shenzhen have to pay social security contributions for more than 3 years.
Another example is in Shanghai, where foreign children need their parents to pay social security for 6 consecutive months before they can go to school. Therefore, social security is not only related to their daily life, but also affects their long-term planning.
03 When you surrender your policy, make sure you get a good replacement policy.
For example, older people are more likely to get sick, and they may face greater financial stress if they don't have health insurance in the future.
Based on the above, we recommend that if you are unable to give up your health insurance, you should do a good job of replacement. You can buy rural medical cooperative medical care to replace medical insurance, the current payment standard of NCMS is 380 yuan per person per year, although the reimbursement of rural medical insurance is not as good as that of employee medical insurance, but at least you have protection in terms of medical treatment, and also avoid the emergency situation in the difficult period of renewal.
In the end, social security is a double-edged sword for flexible workers. On the one hand, it provides sickness and old-age security, but on the other hand, it means a heavy financial burden.
Therefore, today's choices are not only about the individual's present, but also about the individual's future. Therefore, when it comes to withdrawing social security, a person's choice is not easy, and there are countless stories and considerations hidden behind it.
But whatever the reason, we recommend that you make a replacement for yourself to avoid more unforeseen problems when the economy is difficult.
Wan Zi Qianhong said: Every word of the article knocked out my heart, click"On the clock"and let me know that you are also working for life"Do your best"。