In 2007, after being introduced by my sister, my cousin and I entered a foreign-funded enterprise in Foshan, which is an electronics factory and a Fortune 500 company.
Everyone knows that in that era when there were many monks and little porridge, if you want to enter a good foreign-funded enterprise, it is more difficult than ascending to the sky!
I need to take an exam to get in, and my age is controlled under 25 years old, and my cousin-in-law was 37 years old at the time, so my cousin-in-law had to use her sister's ID card to apply for a job.
In fact, this phenomenon was common in that era, but everyone tacitly understood it, and I think many post-6070s working brothers and sisters have had similar experiences!
Two years later, the company began to buy social security for our employees, which means that employees who enter the factory with other people's ID cards must also have a real-name system, and the company allows them to change back their ID cards, but they need to be fined 100 yuan.
My cousin-in-law is the same, she changed to her ID card, at this time she is 39 years old, according to the retirement at the age of 50, she can buy enough social security for 11 years, and it doesn't matter if she wants to retire 4 years late!
In 2017, my cousin-in-law's son got married and had a grandson, my cousin-in-law quit her job and went back to take care of the child, at this time he had 8 years of social security, and when he left, he also went to the Social Security Bureau to consult, because he was over 45 years old and could pay social security by himself, and according to the policy at that time, he could slowly pay social security by himself.
I didn't expect that my cousin said that I didn't care about it first, and then I would pay it later, now is the time to use the money, she has been procrastinating when she goes home and has not paid social security, and in 2020, when she is 50 years old, she will go to the Social Security Bureau to make up the payment, and she wants to make up the payment at one time, and the Social Security Bureau said that she can't make up the payment at one time, and she can only retire if she buys it every year, and she can only retire if she buys it for fifteen years.
My cousin also wanted to pay it slowly, but my cousin didn't agree and said that I had to pay it for 7 years, 80,000 yuan, and I had to pay 50,000 yuan for medical insurance, which was not cost-effective, so in order to save the 130,000 yuan, they went to refund the social security! It seems that more than 30,000 yuan has been refunded.
In May 2023, I will be 50 years old, and I have bought enough social security, so I went directly to the Social Security Bureau to go through the retirement procedures.
Now I have a pension of more than 1,560 yuan per month, although it is not much, but I am also content, I don't have to go to work, I arrive on time every month, I am really happy, I am a farmer, I never dreamed of a good thing, and it is also a thing that many people dream of now.
A few days ago, I met my cousin-in-law, who looked very old, and she also asked me about my pension, and I could see that she was very disappointed, and she regretted retiring from social security.
My cousin-in-law said that she had the money to pay social security at that time, but after listening to her cousin's words, she didn't think that she couldn't make up the payment at the age of 50, so she shouldn't go to refund the social security! If you pay slowly, you can get a pension at the age of 57!
My cousin said that my cousin is now 57 years old, and he is still doing odd jobs at the construction site, 120 yuan a day, and many times he has no work to do.
My cousin-in-law said that paying social security is the most cost-effective, better than raising a son, and it will arrive on time every month, and my son will not give you money every month! I can hear that my cousin-in-law regrets retiring from social security! It's too late now!
Now I have given my cousin-in-law a suggestion to buy urban and rural residents' pension insurance at the age of 60 to start receiving it, there is no employee social security, flexible employment social security pension is high, but it is better than nothing.
My cousin finally listened, but she still had six years to go before she could receive her pension.
So look at the problem in the long run, because my cousin-in-law surrendered the insurance, ruining the happiness of the rest of her life! No matter what, I wish my cousin a happy, healthy and happy second half of her life!