Is it good to just graduate and not pay the five insurances if you are unstable?

According to the regulations, from January 1, 1996, the social security institution shall establish a personal pension insurance account for each insured employee according to the ID card number, and the amount of 11% of the payment base shall be credited to the personal account, and the interest shall be accumulated and calculated year by year. The personal account clearly records the employee's contributions and serves as the basis for calculating the benefits at retirement. Therefore, when you are young, you pay in order to receive a pension when you retire.

After workers move to other provinces and cities for employment, how to deal with the pension insurance premiums paid? If the employee changes the labor relationship, the pension insurance relationship shall be transferred with it. If the worker moves across provinces and cities, or between enterprises and government agencies and institutions (i.e., the so-called cross-overall planning area), not only the pension insurance relationship will be transferred with it, but also the amount of the personal account will be transferred to the social insurance agency in the place where the new employment is located, and the contributions will continue to be made, and the previous and subsequent payment years will be cumulatively calculated.

Therefore, it is said that "regardless of the employee's work, the insurance relationship is counted continuously". <

Due to the bankruptcy of the enterprise, the imminent bankruptcy, leasing, contracting, dismissal, termination of labor contracts, resettlement of redundant personnel, economic layoffs, etc., an enterprise that terminates labor relations with its employees may pay a certain amount of economic compensation to its employees in a lump sum in accordance with the relevant provisions of the state. When they reach the statutory retirement age or reach the statutory retirement age after being re-employed, all personnel who participate in the social pooling of retirement expenses will still be retired by the social insurance agency and their pensions will be paid on a monthly basis; Where the above provisions are not met, the method of adopting a lump sum settlement of retirement pension must be rectified immediately. If the payment period is less than 15 years, how to pay the insured personnel with less than 15 years of payment when they reach the retirement age, after reaching the statutory retirement age, they will pay the amount of the endowment insurance personal account to themselves in a lump sum, and at the same time terminate the endowment insurance relationship, and shall no longer enjoy the pension insurance benefits on a monthly basis.

It's definitely not good, I think five risks.

The sooner the better, after all, enterprises are reluctant to pay five insurances to employees, because it will increase the cost of enterprises, but the first department requires enterprises to pay five insurances to employees, including pension, medical care, unemployment, work-related injury and maternity insurance.

It is precisely because of instability that you have to pay, so that you can also give yourself an extra guarantee, once you lose your job, because you have paid unemployment insurance.

So you can get unemployment benefits.

Many graduates always fall into a misunderstanding, thinking that their jobs are not very stable, so there is no need to pay five insurances now, once they need it, they will pay for the impulse to fail, especially pension insurance.

The more you buy, the more you can get after retirement, and you must pay for more than 15 consecutive years, and medical insurance.

After we are hospitalized, we can reimburse the related expenses, which can greatly reduce our burden, and the salary of graduates is not very high, once we are sick and hospitalized, it must be a large expense, but the purchase of medical insurance can save most of the costs.

If it is found that the company has not paid the five insurances to the employees after joining the company, the employees can ensure the relevant evidence, directly apply to the labor arbitration commission for arbitration, and ask the company to make up the payment.

The five insurances are statutory, is the obligation of the enterprise to pay to the employees, so it is not whether the employees are willing to pay, but the enterprise must pay to the employees, there are many employees in order to get more money on the agreement with the enterprise, requiring the enterprise not to pay the five insurance, which is actually not in line with the regulations, the implementation of the strong and noisy carrying system, even if the graduates have just come out of the job is not very stable, but must pay the five insurances in time.

If you have just graduated from university, you do have to pay five insurances and one housing fund, because this is a relevant regulation enforced by the state. If employees do not pay five social insurances and one housing fund according to the regulations, there will be no relevant social security behavior, and they will not receive pensions after retirement. The national labor law clearly stipulates that whether interns or regular employees, even employees who apply for a one-day probationary period, must pay five social insurances and one housing fund in accordance with the law.

Failure to pay five insurances and one housing fund will cause great losses to employees. I can tell you this. In Ningbo, where I live, social security is compulsory to pay five insurances and one housing fund.

As long as you are at least 18 years old and work for more than 15 days, you must sign a labor contract and pay social security. But then again, a lot of them are not paid, so there is a labor inspection department under the Human Resources and Social Security Bureau, which is responsible for the enforcement of social security. Generally, if you have nothing to do, you will go to the company to see and expand the social security business, which is a fat gap.

Therefore, the strength of supervision can be imagined. Many college students have just graduated and entered the workforce. They don't know why they have to pay five insurances and one housing fund.

They just feel that they have lost a lot of money every month, and they feel distressed. However, five insurances and one housing fund are indeed a must.

"Five insurances and one housing fund" is not a specific regulation of a company, but a national compulsory arrangement that enterprises must arrange for workers. The functioning of the social security system must be accompanied by stable funding. It is normal for many people to be reluctant to pay social security that increases every year.

Because if I had a choice, I would choose not to give, that's the general consensus. But why is it that not only do many people pay social security in my original jurisdiction, but also many people find ways to pay social security? The reasons are, purchase requirements, reading requirements, billing requirements, and many more.

Living and working in second-tier cities and above is inseparable from socializing.

To enjoy any supporting facilities in the city, you need the threshold of social security. Among the five insurances and one housing fund, the "five insurances" include endowment insurance, medical insurance, maternity insurance, unemployment insurance and work-related injury insurance, and the "one housing fund" is the housing provident fund. Many people ask male employees if they don't need to pay maternity insurance if they don't need to have a baby, but in fact, both male and female employees need to pay maternity insurance.

Female employees pay maternity insurance, can apply for maternity leave when they are pregnant, and can also receive wage subsidies. Male employees who pay maternity insurance can apply for paternity leave when their wives become pregnant, so they can also receive a corresponding wage subsidy. Pension and medical care are well understood.

Pension is to receive a pension after retirement, and medical care is used when you are sick. The maximum reimbursement rate of medical insurance can be more than 80%, which is a very cost-effective insurance for medical expenses.

Good. For people who have just entered the society, the five insurances can be paid slowly, just graduated, the job fluctuates greatly, the career planning of young people has not been well improved, young people do not know what they are suitable for, only slow and slow try, in order to find their own cautious direction.

If you have just graduated, it is unstable, and it is okay not to pay the five insurances, because the road to work by yourself is still very long, and it is okay to wait until the back is stable.

It's not good not to pay five insurances. Because the five insurances are a kind of protection for work, not paying the five insurances may cause various problems.

Legal analysis: If you have not graduated from college, you cannot pay five insurances and one housing fund. College students who do not graduate and sell imitations cannot establish labor relations with the employer, although they can sign a labor contract in advance, but the contract should start from the time of graduation.

Before graduation, the unit cannot pay five insurances and one housing fund to employees. However, if the employer has signed a formal labor contract with the unit, it can require the unit to pay five insurances and one housing fund.

Legal basis: "Law of the People's Republic of China on Social Association Insurance" Article 2 The State shall establish a social insurance system such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, so as to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, industrial injury, unemployment, childbirth, etc.

[Legal Analysis].: If you don't get a graduation certificate, you can also pay five insurances and one housing fund, and you can have an ID card.

Five insurances and one housing fund refer to the collective name of several types of protective treatment given by employers to employees, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, family and maternity insurance, and housing provident fund.

"Five insurances" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund. Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance and housing provident fund are the premiums paid by enterprises and individuals, and work-related injury insurance and maternity insurance are completely borne by enterprises and do not need to be paid by individuals. It should be noted here that the "five insurances and one housing fund" are statutory.

[Legal basis].Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Article 3: The social insurance system adheres to the principles of wide coverage, basic protection, multi-level, and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.

The above is only the current information combined with my understanding of the law, please refer to it carefully!

If you still have questions about this issue, it is recommended that you sort out the information about the discrepancies and communicate with a professional in detail.

Summary. One of the five insurances and one housing fund refers to the housing provident fund can enjoy low-interest loans when buying a house, and most of the recent college graduates do not have their own real estate, and they are faced with buying a house after work, if they do not pay five insurances and one housing fund, they will not be eligible for low-interest loans, which will increase the cost of buying a house and increase their economic pressure. ”

One of the five insurances and one housing fund refers to the housing provident fund can enjoy low-interest loans when buying a house late, and most of the newly graduated Peifu college students Sun Zhongli do not have their own real estate, and they are facing to buy a house after work, if they do not pay five insurances and one housing fund, they are not eligible for low-interest loans, which will increase the cost of buying a house and increase their economic pressure. ”

But because the recent graduates have just left school, they don't have any experience or anything. His first job was often a bit unpleasant.

Another is that there are many things that cannot be done after paying five insurances and one housing fund, and what things cannot be done after paying five insurances and one housing fund.

This doesn't affect the dear.

Exams and the like will be affected.

Legal analysis: If you have not graduated from college, you cannot pay five insurances and one housing fund. College students who have not graduated are not able to establish a labor relationship with the employer, although they can sign a labor contract in advance, but the contract should start from the time of graduation.

Before graduation, the unit cannot pay five insurances and one housing fund to employees. However, if the employer has signed a formal labor contract with you, you can require the employer to pay five insurances and one housing fund. "Five insurances" refer to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund.

Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are jointly paid by enterprises and individuals, and work-related injury insurance and maternity insurance are completely borne by the enterprise. Individuals do not need to pay and change to pay.

Legal basis: Labor Contract Law of the People's Republic of China

Article 7 An employer shall establish a labor relationship with a worker from the date of employment. The employer shall establish a roster of employees for future reference.

Article 10 A written labor contract shall be concluded for the establishment of labor relations.

If a labor relationship has been established and a written labor contract has not been concluded at the same time, a written labor contract shall be concluded within one month from the date of employment.

If the employer and the employee conclude a labor contract before employment, the employment relationship shall be established from the date of employment.