Social security knowledge, Crayfish Daily Sharing No. 578, welcome to follow!
As we all know, when paying pension insurance with flexible employment, 20% of the payment base is required, of which 8% enter personal accounts and 12% enter the unified account.
Some netizens asked: "Why can flexible employment personnel not all the social security fees paid by social security personnel be included in their personal accounts like ordinary employees?"
Today, we will analyze the reasons with you.
The pension insurance system belongs to a welfare system and a mutual aid system.
The so-called welfare system is mainly reflected in two aspects:
On the one hand, , the individual pays it belongs to themselves, and the unit pays it enters the overall part. Employees can receive personal pensions and basic pensions when retirement. The basic pension part is welfare benefits.
On the other hand, , after the total amount of the personal account is collected, you can still continue to receive it. This part is paid by the coordinated fund, which is also a welfare benefit.
The so-called mutual assistance nature is also reflected in two aspects:
On the one hand, when employees retire to calculate basic pension, there is a "robbery of the rich to help the poor".
Basic pension = social security base × (1+month average contribution index) ÷ 2 × payment period × 1%
For example, when a certain employee's monthly contribution index is 2, when the final pension is calculated, (1+2) ÷ 2=1.5 is less than 2;
However, the employee's contribution index is 0.6, when the pension is calculated, (1+0.6) ÷ 2=0.8 is greater than 0.6.
On the other hand, , in reality, young people currently participate in social security, and the money from the unified account is included in the national fund management, and is used to pay pension benefits to retired elderly people.
The social security fees paid by our next generation are used to pay us pension benefits.
It is unrealistic for flexible employment personnel to enter their personal accounts!
First . If all flexible personnel pay and enter their personal account, it will cause the unit to require or the employee to participate in flexible employment personnel pension insurance , and not participate in employee pension insurance. The employee pension insurance system will be replaced by flexible employment pension insurance.
followed by . Flexible personnel pay the amount to enter their personal accounts will lead to a decrease in the amount of the national unified fund. Without sufficient amounts for welfare payment and mutual assistance, the pension system will eventually fail to be implemented.
Finally , all the amount paid by flexible personnel enters their personal accounts. They do not participate in mutual assistance in their own sense, but they enjoy mutual assistance when they finally receive their pensions, which is not fair.
The country advocates paying more and getting more, and paying for a long time.
Flexible employment personnel generally need to pay a 20% social security fee, but only 8% enters personal accounts, and the other 12% have nothing to do with themselves.
In fact, only the 8% ratio of an individual and the payment period are the relationship, and it is also the most direct parameter for calculating pensions after retirement.
In fact, choosing the lowest payment base for flexible employment personnel is the most cost-effective way to pay.
Today's sharing is over. I know if you think it makes sense, or express your opinions and opinions. Welcome to leave a message, forward, collect and like four consecutive games!
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