With the intensification of population aging, more and more people are paying attention to the issue of pension, and social security, as an important way to provide for the elderly, has also received widespread attention. You must know that not everyone can get the expected return on social security, and some people may even pay social security in vain, why is this?
Students who have not yet graduated
Some students start to pay social security before they graduate, because they participate in internships or part-time jobs, and the employer handles social security for them.
This may seem like a good thing, but it's not really wise. Because there is an age requirement for receiving social security, and the time for students to pay social security is counted from the day they start working.
That is to say, their social security payment time will be much longer than that of normal staff, but their social security payment time will not be advanced, which leads to a mismatch between their social security payment time and receipt time, resulting in the "invalidity" of social security.
Retired and rehired personnel
Some people are rehired by their employers after retirement and continue to work. The social security situation of these people is also very special, because they have reached the age of receiving a pension, so the employer no longer pays social security for them, but directly pays the pension.
In this case, their social security account is "frozen" and will not increase or decrease, and their pension is fixed and does not grow with the increase in wages.
This means that their social security and pension do not have any room for appreciation, and they also face the risk of inflation, which is also a kind of "ineffective" social security.
Duplicate Participants
Some people work in one company and work part-time in another, or have two identities at the same time, such as self-employed and employees, these people may have duplicate insurance, that is, they pay social security in two units at the same time.
What are the consequences of this? Their social security contributions will increase, but their social security contributions will not increase because social security contributions are calculated based on the highest unit of contributions, not the sum of the two units.
There can be confusion in their social security accounts, leading to loss of funds and disputes.
The social security payment time will also exceed the statutory time, but the social security payment time will not be advanced, which is also a kind of "invalidity" of social security.
Deferred retirees
There are people who, after reaching the legal retirement age, have not yet retired but continue to work, and these people are known as delayed retirees.
Their social security situation is also special because their social security payment time will be extended, but the social security payment time will not be extended, that is, the gap between their social security payment time and the time of receipt will increase.
What are the benefits of this? Some people believe that delaying retirement can increase the cumulative amount of social security and thus increase the level of pension.
But in fact, this idea is wrong, because the calculation formula of social security is complex, not simply calculated according to the amount of payment and payment time, but to consider many factors, such as average salary, payment base, payment ratio, payment period, replacement rate and so on.
Moreover, there is also an upper limit on the receipt of social security, not the more the better, but there is a reasonable range. Therefore, delaying retirement does not necessarily increase the pension, but may cause the "invalidity" of social security
The above are the four situations in which social security may be "invalid", have you been recruited?
If you are a member of the above population, then you should pay attention, do not blindly pay social security, but according to your actual situation, reasonable planning of social security, to avoid the emergence of "invalid" social security.
Of course, social security is only a way to provide for the elderly, there are many other ways, such as personal savings, investment and financial management, commercial insurance, etc., you should actively plan your old age, through a variety of ways to provide protection, so that your old age is happier and more at ease.
In addition, when choosing endowment insurance, you should also consult professionals, do not believe advertisements and rumors, consider carefully, choose products that suit you, in order to truly enjoy the benefits of endowment insurance. Social insurance