As a social security system in China, social security is closely related to everyone's life. Including pension, medical care, maternity, unemployment and work-related injuries. For young people with little savings, medical insurance can help us reduce a large part of our expenses when we are sick, and endowment insurance also guarantees our future retirement.
And the role of social security is not limited to this, especially in some big cities, social security is also directly related to settling down, buying a car and buying a house. By the end of 20021,the number of social security card holders in China had reached 654.38+352 million, with a penetration rate of 95.7%. The number of people participating in basic old-age insurance, unemployment insurance and work-related injury insurance in China was 654.38+0.3 billion, 230 million and 280 million respectively, with an increase of 30.07 million, 654.38+0.268 million and 654.38+0.52110,000 respectively.
Therefore, for today's young people, in addition to wages, there is another aspect they care about, that is, paying social security. As we all know, enterprises have the obligation to pay social security for us when they work in any unit, and employees only need to pay part of it. Of course, it is not excluded that some enterprises in informal or small places do not pay their employees. Moreover, many enterprises do not pay social security during the probation period of three months before new employees join the company. For job-hoppers, they can only pay for themselves in these three months.
In addition, it is even more difficult for some people with unstable jobs or flexible employment to pay social security. Flexible employees not only have to pay social security at their own expense, but also can only participate in endowment insurance and medical insurance. Among them, the pension insurance contribution rate is 20%, and the medical insurance contribution rate is 4%. This payment ratio is generally 60%-300% of the local average social wage last year, and the payment amount is not low, so you need to go to the social security center window yourself.
In this case, in order to save trouble, some people enjoy the same treatment as on-the-job employees and pay social security through "additional social security". As we all know, "additional social security" is prohibited by the state. But even so, there are still countless callers.
A reporter typed in the words "pay social security" on a shopping website, and hundreds of shops that can provide related services immediately popped up, with prices ranging from 2 yuan-1000 yuan. After calling several businesses, they all said they could help with social security. It can not only help people call social security, but also provide supplementary services. The person in charge of a human resources company even said that it can be repaid after 24 months, and the payer needs to pay the social security fee himself, but there is an extra handling fee.
This shows how rampant the current "social security" behavior is. In view of this, Ministry of Human Resources and Social Security formulated and issued a new version of Administrative Supervision Measures for Social Insurance Funds this year, which will be implemented on March 18, 2022. It is also clearly pointed out in the measures that in the process of linking, any of the following circumstances exists, which is defined as violation of laws and regulations or even criminal responsibility:
1. fabricating personal information and labor relations, forging or stealing documents that others can prove their identity, providing false documents and other means, fabricating social insurance conditions, paying social insurance in violation of regulations, and defrauding social insurance benefits;
2. Cheating social insurance benefits by means of false treatment certificates;
3. Forge or alter personal files, labor ability appraisal conclusions and other illegal applications for retirement. , illegally increasing the recognized payment period and defrauding the basic old-age insurance benefits;
4. Falsely reporting work-related injuries, forging or altering work-related injury identification and labor ability appraisal certification materials, or providing false work-related injury identification conclusions and labor ability appraisal conclusions to defraud work-related injury insurance benefits;
5. Forging or altering medical materials and medical documents, defrauding work-related injury insurance benefits, or using the identity of a work-related injury worker to seek medical treatment and configure assistive devices;
6. Others cheat social insurance benefits by means of fraud or forged certification materials.
The administrative department of social insurance will order the refund of the social insurance money defrauded, and impose a fine of more than 2 times and less than 5 times the amount defrauded, and include it in the list of serious social insurance untrustworthy people. If the circumstances are serious, they will even be convicted of defrauding public and private property. One of them should sign a "fake contract" and establish a false labor relationship. Because it is a fictional labor relationship, individuals will also have "fraudulent insurance" behavior. For social security affiliated enterprises, it is obviously illegal to forge fake contracts, payroll and employee lists.
For individuals, except for the possibility of breaking the law. It is also easy for some payment units to run away, so that not only the social security is not paid, but also the money is wasted. In the end, it may lead to financial and profit losses.
In fact, for individuals, there is no need to find a company to link them, because the cost of participating in insurance as a flexible employee, like linking with social security, is borne by individuals in full. Similarly, there is no difference in treatment with ordinary employees. Flexible employees can retire normally and receive pension benefits after reaching retirement age for a total of 15 years.
Even flexible employees in some areas can participate in unemployment insurance. For example, Guangdong Province has been implemented since June 65438+1 October1in 2022, involving take-away personnel, express logistics personnel, online car drivers and individual industrial and commercial households without employees. If you want to handle it, you can go to the relevant departments to handle it.