Postponing Retirement: How Can You Pay For Your Five Risks?

The basic wage on the payroll is quite a lot, but it doesn't feel much to get it. It's making money selling cabbage and selling the white powder.

More worried about sang is that the two years actually began to "delay retirement", the reason is that China is the oldest retirement country in the world, to develop progressive retirement policy.

So, it has to be exploited for several years.

Wait, think about it. It looks like it's not that bad.

The grandparents in the streets told us that China has entered an aging society.

To put it plainly, young people are getting fewer and fewer. There are more and more elderly people. If we do not postpone retirement, then the pressure on young people will not be greater.

Recently, delaying retirement has become a hot topic again.

The state said that the delay in retirement is for the fundamental interests of everyone.

Good planning reminds us to clear up five risks and one gold and hold the national thighs.

Well, don't make any noise. Let's continue to love the party and love the people.

Five risks: old age, unemployment, work-related injury, medical treatment, childbearing

One gold: Provident Fund

Payment standard:

Pension: unit 20%, personal 8%

Birth: unit pay, personal not paid.

Work-related injuries: unit pay, personal not paid

Medical treatment: unit 10%, personal 2%+3 yuan.

Unemployment: unit 1.5%, personal 0.5%

Provident Fund: unit and individual shall bear the maximum no more than 12% of the provident fund.

How can we make use of five risks and one gold?

1. endowment insurance: you have to pay for your job, and you have to pay for your job.

A small partner asked, "I am a freelancer now. Is it necessary to pay old-age insurance?" good planning financial planners suggest that they should pay their own social security to the local social security center. After all, this is a kind of social insurance, which is much lower than the commercial pension insurance on the market.

Moreover, if the employer has been paying for several years before, it suddenly fails to pay the bill. When the retirement age is over, the basic old-age security of the state can not be enjoyed.

Endowment insurance usually has to be paid for 15 years, and the basic pension can be enjoyed throughout life until retirement.

So those who want to have pensions must pay 15 years before they retire.

If retirement insurance is not paid for 15 years, the state will refund you 8% of your monthly pension.

And you can't get 20% of the money you pay.

2. medical insurance: in addition to reimbursement of medical expenses, you can also withdraw cash from your account.

Medical insurance, as the name suggests, is used for reimbursement of hospitalization or medical expenses.

However, in some areas, such as Beijing, the amount of money paid for the account (2%+3 block) can be used to buy drugs and see the clinics, but it can also be discretionary to the designated bank.

3. industrial injury insurance: in addition to accidents, the commuter road can be reimbursed.

Industrial injury can still be reimbursed? Maybe you still don't know how to use it.

Not only do accidents happen at work units, but if you have any accidents on your way to work, this risk will also come in handy.

But if you want to make good use of this risk, you must produce evidence, evidence, evidence! But many people did not save relevant evidence in an accident, resulting in failure to enjoy industrial injury insurance. Thanks!

If you are hit by a car on your way to work, don't be selfish. Call the police quickly, let the police investigate the record and take photos and collect evidence. After processing, you will issue a certificate of accident identification and so on. If you hold the certificate issued by your uncle, you can find the company to reimburse the work-related injury insurance.

In addition, there is a time limit for industrial injury insurance.

If you have a work-related injury on 17 August 2015, don't waste it. Tell the employer immediately that if you haven't reported it for 1 months, if you have enough evidence, I'm afraid I can't report it.

Four

Not only girls can have boys, but also boys better match them.

In fact, birth insurance is not only for girls but also for boys.

If you are pregnant when you are working, then when you are discharged, you need to get the relevant documents as soon as possible, such as marriage certificate (unpaid child birth), and birth certificate (not only single 2 child reimbursement) + related medical records and all invoices for hospitalization and operation expenses, etc. N more materials are delivered to the company.

Usually, the company will reimburse you within the scope of the medical insurance regulations.

Then we talked about boys.

Don't always feel that a big man has to pay birth insurance every month. It's not worth it. To tell you the truth, if your wife doesn't work or her unit fails to give birth insurance, you can also pay for childbirth expenses if you give birth insurance for 9 months before her birth.

Reminder

With regard to maternity insurance and maternity allowances, local policies are different, and the labor and social security departments can be consulted specifically.

5. unemployment insurance: take the initiative to resign, do not want to get unemployment benefits.

Even if you don't figure out the unemployment benefits, don't quit your job.

If you want to receive unemployment insurance, you must meet three conditions at the same time. First, your unit and myself have paid 1 years' continuous payment; two, you have already registered unemployment and have job requirements; three, you are not breaking your employment because of your wish.

The first two points are easy to understand, and the last "non self will" is interrupted.

"How to determine it? For example, if the company voluntarily persuaded you to return, or if the contract expires, you and the unit do not want to renew it, and these two situations will be able to receive unemployment insurance.

If you take the initiative to leave, even if you pay 1 years, do not want to get unemployment.

6. housing

In addition to buying a house, renting can also be extracted.

The monthly payment of housing provident fund pays 12% of the basic salary of the individual, while the unit pays 12% for you.

For example, you pay 600 per month, the unit will give you 600 more, that is, your provident fund account has a total of 1200 yuan this month.

This fund can be used to buy a house or loan, or to submit a rental certificate to be regularly extracted for housing costs. If you have the land to build a house, the money to build a house can also be paid from the provident fund.

However, there are some methods for the use of provident fund, such as retirees, who want to settle abroad, are found to be completely lost or most of the loss of labor, to receive unemployment insurance gold, into the low insurance or the scope of special difficulties, family members suffering from major diseases, and other conditions, can be extracted from the provident fund.