Social Security & Healthcare - The document discusses the option of only paying for resident medical insurance instead of social security [1] - It highlights a shift towards mandatory social security contributions [3] - The author expresses concern for self-employed individuals who voluntarily pay for social security [3] - The author argues that most young people who pay for medical insurance rarely use it [3] Personal Finance Perspective - The author criticizes the perceived "word game" where individuals still pay out-of-pocket even with medical insurance [3]

Social Security & Healthcare Analysis - The analysis suggests that many young individuals who pay for medical insurance may not actually utilize it, implying a potential inefficiency in the system [1] - The analysis points out that the "self-paid" portion of medical expenses often comes from individual accounts rather than pooled funds, despite the perception of insurance coverage [2][3] - The analysis suggests that resident medical insurance offers a cost-effective option for major illnesses, especially hospitalization, despite procedural hurdles [5][6] - The analysis views commercial insurance as a gamble against insurance companies, advising against it for individuals with sufficient assets (e g, 1 million in emergency cash) due to potentially unfavorable terms [6] Pension & Public Fund Insights - The analysis highlights the significant disparity in pension benefits based on employment type (e g, civil servants, state-owned enterprises, private companies, freelancers), with civil servants receiving substantially higher pensions [7] - The analysis implies that individuals in less advantageous positions within the pension system should minimize contributions as a form of resistance [8] - The analysis suggests that housing provident fund (公积金) is a tangible benefit that should be considered as part of one's income [9] - The analysis notes a decreasing trend in companies willing to take risks to help employees avoid taxes, as the risks outweigh the benefits [9] - The analysis suggests that the value of residency permits (落户) and housing purchase qualifications (房票) is diminishing, making continuous social security contributions for these purposes less worthwhile [9]

#讨论 9月1日起全面禁止“自愿放弃社保”，可能会推动利润微薄的个体商户转向聘请不用交社保的退休人员？ ...

财经大事早知道，关注东方财富股票！ 以下文章来源于财经图解 ，作者乘桴于海 财经图解 . 新规明确，无论双方协商还是劳动者单方承诺，任何"不缴社保"的约定都是无效的。用人单位未依法缴纳社保将承担具体赔偿责任，经济补偿计算标准明 确为：劳动者工作每满1年支付1个月工资，工作不满6个月支付半个月工资。 分析人士指出，这意味着，从9月1日开始，企业必须给员工缴纳社保。社会保险费的缴纳是用人单位和劳动者的法定义务，这是我国劳动法、社会保险法 明确规定的，具有强制性。新规保障了广大职工的合法权益，同时也增加了社保基金的收入，缓解了社保基金的资金压力。 近年来，中国离退休人数不断增加，居民养老金也在逐年上涨，城镇职工基本养老保险基金支出随之大幅上升。 据人社部发布的数据，2024年，城镇参保离退休人员14739万人，较十年前增加了6146万人，增幅超71%；城镇职工基本养老保险基金支出67656 亿元， 较十年前增加了45902亿元，增幅超210%。以上述数据计算，2024年城镇人均养老金为3825元/月，相较十年前增加了1715元/月，增幅超81%。 8月5日，"社保"冲上微博热搜榜，相关话题备受舆论关注。消息方面，近 ...

8月5日，#社保#的词条冲上微博热搜第一位，且持续霸榜，大量网友参与讨论。 近期，最高人民法院发布《关于审理劳动争议案件适用法律问题的解释（二）》（以下简称 《解释 （ 二 ） 》）及典型案例。其中提到，"用人单位与劳动者约定或者劳动者向用人单 位承诺不缴纳社会保险费的，该约定或者承诺无效"。 【导读】#社保#词条飙上微博热搜首位，最高法明确"自愿放弃社保协议"无效 中国基金报记者 晨曦 就在下个月，"自愿放弃社保"无效！ 《解释（二）》自9月1日起施行。也即，从下个月开始，"不缴社保"的约定或协议就要失效 了。没有依法缴纳社会保险的用人单位，在此之前应及时缴纳社会保险费，避免承担支付解 除劳动合同经济补偿的责任。 对此，大量网友纷纷点赞："五险一金都不能放弃""防止用工单位被迫让员工'自愿放弃'""让 我老有所依"。 | 25-8-5 11:05 来自四川 | L 942 לח | | --- | --- | | Tuffy S:防止用工单位被迫让员工"自愿放弃" | | | 25-8-5 10:03 来自吉林 | ြ 巴 山 511 | | 念:99%的打工人，这些年基本上都是被"自愿放弃"!而所谓的"社 ...