can only refund 40 and also have to refund, and some flexible employment is "forced" to withdraw from social security, what are they worried about?
Social security is both a guarantee and a burden for people with flexible employment.
In the past two years, with the rise of flexible employment forms, internal and external environmental factors have led to intensified competition pressure in the job market, and more and more people have joined this team. But at the same time, they also face a choice when it comes to social security.
According to the current provisions, the proportion of social security contributions for people in flexible employment is: 20% for individuals, of which 12% is allocated to social security** and 8% is in personal accounts. In other words, they do not have the advantages of enterprise employees, and all social security expenses have to be borne by themselves.
In recent years, many people have chosen to withdraw from social security for various reasons, although the amount returned is less than half of the original payment. So, what drives these flexible workers to surrender their insurance policies even when they know they can only get 40% back? What were their concerns and concerns when making this decision?
01 The current situation of social security withdrawal for flexible employees.
The importance of social security for each of us is self-evident! However, in reality, more and more people are choosing to withdraw from the social security system, especially those who are flexibly employed, even if they get back much less money than they originally paid, but they are still resolute. And the reasons for this phenomenon are also diverse:
1.I don't think it's a good deal.
Some people have made a rough estimate of the contribution payment, with the postponement of the retirement age and the extension of the contribution period, if both changes are calculated at the maximum, if the pension is to achieve the purpose of recovering the cost, you must live at least 86 years old.
However, at a time when the average life expectancy in China is only 75 years old, some people feel that they have no confidence in longevity, so they choose to stop paying the refund.
2.The economic pressure is too great.
In recent years, the general environment has not been ideal, and many people are facing salary cuts or even layoffs because of the deterioration of corporate efficiency. And for those who do not have a stable job, it is even more difficult. Not only do they not have a stable income, but they also have to bear all the social security costs every month.
In the case of a sharp decline in income, many people who are flexibly employed may no longer have extra money to pay for social security. Instead of having no money to pay, some people have the idea of breaking the payment, or even surrendering the insurance and withdrawing the money. After all, it is too difficult to make money, prices are skyrocketing, and they have to live their lives carefully. And, in this way, you can do something else, it's better than consuming!
3.Worry about the extension of the payment time.
Some uncertainties are also the main reasons why some flexible employment people lose hope and choose to stop paying and surrendering their insurance. For example, the retirement age has increased, the number of years of contribution has become longer, etc.
The former is almost a sure thing, the latter is not small, the current minimum number of years of social security contributions is 15 years, if it is really adjusted to 20 or even 25 years, it means that the amount of contributions will increase, and the age of pension will become larger.
In this case, it is estimated that for those who are relatively late in the insurance themselves, it is estimated that they will be more worried about continuing to participate in the insurance, and they are less willing to participate.
4.Contributions for consecutive years**.
In fact, many people surrender mainly because of the continuous payment base for many years, in the case of their own work and income stability are insufficient, this long-term full payment of the cost is undoubtedly a mountain for flexible employees.
For example, in some 18th-tier small cities, in the past few years, the payment of social security and medical insurance was only 100 a year, but now, the lowest level of social security and medical insurance has risen to more than 1,100 yuan.
If the payment period becomes longer, in this case, some flexible employment people will choose to surrender the insurance after weighing the pros and cons.
Of course, in addition, there are some people who feel that they are young and strong, and they do not need these benefits now, and would rather use the money to invest, or do something else, so they choose to surrender the insurance.
*。02 Post-surrender risk.
Withdrawing from social security means giving up social security. Social security is not only a pension, 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 you withdraw from social security, it means that you have to bear all the risks, and if you get sick, lose your job, get injured or give birth, you may face huge financial pressure and even lead to family bankruptcy.
1.After the surrender of the policy, the pension benefits will be gone, which means that the quality of life after retirement will be seriously affected.
2.Social security surrender will not only affect your pension insurance, but also your medical insurance benefits. Once the policy is surrendered, it means that you will need to get sick in the future**, and all medical expenses will have to be paid out of pocket.
In addition, surrendering the insurance will also affect the purchase of a house, the entry of points into the household, and even the schooling of children. For example, if you buy a house in Shenzhen, you need to pay social security fees for a certain number of years, and the specific number of years varies from region to region. Generally speaking, non-deep households need to pay social security premiums for more than 5 years, while deep households need to pay social security premiums for more than 3 years.
Another example is in Shanghai, where children from other places need their parents to pay social security for 6 months in a row. Therefore, social security is not only about your daily life, but also affects your long-term planning.
03 After surrendering the insurance, be sure to make a substitute.
Obviously, once the insurance is surrendered, it will inevitably have a great impact on your retirement life, for example, the probability of the elderly getting sick is higher, and if there is no medical insurance in the future, they may bear greater financial pressure.
Based on this, our suggestion is that if you really can't do it, you must surrender the policy, and the first suggestion is to make a good substitute. You can buy a rural cooperative medical care to replace the medical insurance, the current rural new rural cooperative medical insurance payment is 380 yuan per person per year, although the rural medical insurance reimbursement is not as good as the employee medical insurance, but at least in terms of medical treatment for illness has a guarantee, but also to avoid the recurrence of emergencies in difficult times.
Write at the end. Social security is a double-edged sword for flexible workers. On the one hand, it provides protection in the event of illness and old age, but on the other hand, it is a heavy financial burden.
Therefore, today's choice is not only related to the present of the individual, but also related to the future. It is precisely because of this that in the matter of retiring social security, everyone's choice is not easy, and there are countless stories and considerations behind it.
But whatever the reason, it's advisable to make a substitute for yourself to avoid other emergencies in times of economic hardship.
Wan Ziwen said: Every word of the article is typed out by me, and I am reading it by clicking on it, so that I know that you are also doing your best for life.