With the increasing proportion of elderly people, old age has become an issue that almost every family must consider.
When it comes to this, we will certainly think of our usual paychecks inside a contribution called social pensions, that we receive when we retire the pension is really enough to old age?
We all know that after retirement in today's society, the gap between pensions is actually quite large. Let's not talk about the new agricultural insurance and urban and rural residents pension insurance, how much pension can be received each month, even if it is an ordinary urban workers pension? This is a real contribution for more than 15 years, but why is the minimum in some places is only about 1,000 yuan per month, and even lower than the local minimum wage standard line. But some people can get eight, nine or even ten thousand dollars a month. So is the pension enough or not? It's different for everyone, so let's analyze it next.
Then first we need to know our national pension system, if you want to receive more money after retirement, then you must pay more money before retirement. Pay more or less, in fact, and your unit and work are inseparable, we are divided into the following three cases to discuss:
1. institutions civil servants, state-owned central enterprises, teachers, doctors and other institutions
They retired pension, generally higher than the private sector and the flexible employment staff. So why is that? Could it be that they have some extra benefits? Actually, there really isn't, it's all under the same pension system. Only, there is a very important detail, that is, a good unit pension insurance it, the unit in accordance with each employee's real salary of 16% it, to pay, the unit of that part of the staff it, in accordance with 8% to pay the employee's part of the money will be entered into the social security contribution system, and the higher our salary, the better and more favorable to us. Because according to the provisions of the unit to pay the money, is 3/2 of the total, we personally pay only 1/3.
2. private units and ordinary flexible employment
Most of the private units no matter how much the actual salary of the employees will be in accordance with the local minimum standard of the pension insurance to contribute. That's because by contributing to the employees' pension insurance in this way, the unit is able to save money, although we actually get a little more money. But the defects are more obvious, the contribution standard is low, which means that after retirement to receive the pension it, will also be greatly reduced. Secondly, the private sector is not as stable as state institutions. Nowadays, many young people working in the private sector often change companies, cities, and even unemployed for a period of time, which will easily cause the interruption of pension insurance contributions. The number of years of contributions is an important factor that affects the standard of the pension after retirement, so the standard of the pension when retired, it will be correspondingly lower.
3 Flexible Employment
There is no difference between the social security of flexible employment and that of employees. It is the same system, and the most important difference is that all the social security contributions of the flexibly employed people are borne in full by themselves, and there is no enterprise to pay for you. However, most of the flexibly employed people have unstable jobs, and their incomes are naturally unstable, so even if they pay for their pensions in accordance with the minimum standards, there is still pressure on them to bear the full amount. Therefore, many flexibly employed people only want to pay 15 years of pension insurance. According to the current social security law, after 15 years of contributions, you can receive a monthly pension when you reach retirement age. However, the difference in the amount of pension is quite obvious. For example, individual areas of female friends have just retired, a month can only get their hands on about 1,000 yuan of pension, even the family's daily expenses ah, are not enough to use, and even have to go out to do a job in order to maintain a living, there is no way to really retire.
See here, I think we all have some feelings, here can give you the advice is no matter what kind of work, whether to pay the pension insurance, paid how much money of the pension insurance. That we can best prepare another separate money for their own purchase of a commercial pension insurance, that what is commercial pension insurance?
Commercial Pension Insurance:
Commercial Pension Insurance is a kind of commercial insurance, it is a human life or body as the object of insurance, in the old age of the insured person retired or the expiration of the period of insurance, the insurance company according to the provisions of the contract to pay pensions.
Commercial insurance in the annuity insurance, double insurance, term insurance, life insurance can be in different degrees to play the purpose of old age, all belong to the category of commercial pension insurance. Commercial pension insurance can also be used as a means of compulsory savings to help young people save for a rainy day and avoid overspending in their youth.
Briefly introduce the benefits of commercial pension insurance:
1. Improve the level of old age protection Commercial pension insurance can provide better protection for the elderly in old age, for the group did not participate in the social security, can participate in the commercial pension insurance. Commercial pension insurance will be more extensive in the choice, including all the social security and not participate in the social security of the people. The insured can choose according to their own family's financial situation...
2. Both savings and investment functions Commercial pension insurance is no longer limited to the single function of old age, but also for the commercial pension insurance to add new functions. For example: the dividend function, the minimum guaranteed income, the establishment of investment accounts. At the same time can be attached to a variety of additional insurance, such as: medical, accident, health and so on.
3. Provide return, more choices Social pension insurance can only receive a fixed amount of monthly pension, but commercial pension insurance can provide more choices for the elderly. However, commercial pension insurance can provide more choices for the elderly. They can receive a monthly pension, an annual pension, or a lump sum.
4. Diversification of financial management Commercial pension insurance can guarantee the survival of the person can also take into account the death of the insured, so that the protection of their families and future generations can benefit.
I hope that through our analysis today, you have a certain understanding of the social security pension, in fact, I think that when you are young to purchase a commercial pension insurance for themselves is a very good savings habit, but also allows you to get an additional security in later life! If you have other questions about insurance you can search on Baidu "Baojun", where there are professional insurance consultants ready to solve all your insurance problems.