The sooner you pay the accumulated endowment insurance, the more.

The more you get when you are old, the more you will get.

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Supplementary answer

The level of pension is directly linked to the payment period and payment amount, that is, the longer the payment time and the more the payment amount, the higher the pension level. The difference mainly lies in the pension part of personal account, and the time of interruption of payment is not included in the payment period. For example, let's make a comparison: suppose the payment base is 1 1,000 yuan per month (excluding the adjustment of the payment base and interest), and the personal account pension calculated with the payment period of 30 years is [1 1,000 yuan × 1%× 12 (month )× 30. If the payment is 2,000 yuan per year, the calculated personal account pension is [2,000 yuan×1%×12 (month )× 30 (year) ]÷ 120=660 yuan. The difference between the two is half, and if interest and other factors are considered, the gap is even greater.

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Replenish again

Social security is the main body of commercial insurance and the supplement of social security.

Social insurance and commercial insurance are both related and essentially different. Functionally, both of them are social risk resolution mechanisms. Social insurance is the main body of multi-level social insurance system, and commercial insurance can be used as a supplement to social insurance and is an integral part of multi-level social insurance system.

There are essential differences between social insurance and commercial insurance: First, they are different in nature. Social insurance is enforced by national legislation, which belongs to government behavior, is a welfare undertaking and is non-profit. Commercial insurance is a kind of commercial behavior, and the relationship between the insurer and the insured is completely voluntary. Having the nature of taking profit as the purpose; Second, the purpose is different. Social insurance is not for profit, its starting point is to protect the basic livelihood of workers, maintain social stability and promote economic development. The fundamental purpose of commercial insurance is to obtain profits, but only on this premise can the insured be given economic compensation; Third, the sources of funds are different. Social insurance is borne by the state, employers and individuals. Commercial insurance is entirely borne by the insured person; Fourth, the level of treatment is different. Starting from stabilizing society, social insurance focuses on the protection of long-term basic life, and should be adjusted and gradually improved with the rise of prices. Commercial insurance focuses on one-time economic compensation. Fifth, the government has different responsibilities. Social insurance is a basic right enjoyed by citizens. The government has the ultimate responsibility to society. Commercial insurance is restricted by market competition mechanism, and the government mainly supervises commercial insurance according to law to protect the interests of investors.

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supplement

Your company said that the medical insurance you paid should be four gold.

"Four Gold" Contribution Ratio

Proportion of four contributions: individual contribution and company contribution.

Endowment insurance: base *8%+ base *22% (it seems that this ratio has been changed recently)

Medical insurance premium: base *2%+ base * 12%.

Unemployment insurance: base * 1%+ base *2%

Housing accumulation fund: base *7%+ base *7%

Among them, the individual pays the left part, that is, 8%+2%+ 1%+7%= 18%, and the company pays the right part, that is, 22%+12%+7% = 43%.

That is to say, after deducting the four gold, the salary is: X= workers' salary-base *18%; The total capital contributed by the company is Y= workers' salary+base *43%.

According to national regulations, enterprises should now pay "five insurances and one gold" for their employees:

Endowment insurance, medical insurance, unemployment insurance, industrial injury insurance, maternity insurance and housing accumulation fund.

If you are an on-the-job employee, the company will pay for you, and the payment standard is:

Endowment insurance:

The company pays 20% and the individual pays 8%, of which 8% goes into the personal account.

Medical insurance:

The company pays 8% or 9%, and the individual pays 2%, of which 2.8% enters the personal medical insurance card (once a month).

Unemployment insurance:

Units pay 1.5%, and individuals pay 0.5% for employees to receive unemployment benefits in society when they are unemployed.

Industrial injury insurance and maternity insurance increased by 1% and 0.8% respectively. Some local units pay in full, and some places deduct employees 1 yuan every month, and claim compensation from insurance companies when work-related injuries occur. Maternity insurance is the expenses incurred by female employees when they give birth, which shall be borne by the social security department.

Housing accumulation fund: the unit pays 10% and the individual pays 10%, all of which are put into personal account, which can be withdrawn when buying a house or used as a house loan with low interest.

If it is a flexible employee, there are only two kinds of social security: endowment insurance and medical insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.