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下岗后,买社保还划算吗?
但其实社保不是划算不划算的问题。因为社保是对人身和生活的一种保障,是对未来生活的一种基础性保障,不是简单的说交多少划算的事情。
因为生活中存在太多不可抗拒的因素,万一有的人生了大病,那么医保就非常重要。又比如说有的人寿命长,那么他可以领的养老金就远远超过了他的缴费金额。
那个人什么时候参保合适呢?
当然是在法定退休年龄的十五年前买最合适。没有上班的人,以“灵活就业”身份购买社保;年龄:男在45岁,女35岁购买比较适合;缴费缴到十五年后,男正好60岁、女50岁正好满足退休年龄(这里先不考虑延迟退休年龄,女干部为55岁退休)。
到当地社保窗口申请,需身份证(户口簿)、2寸照片、银行存折(卡)填表申请,选择一个缴费缴档次;个人当年全额社平工资20%,到时社保从你银行卡中划扣;存入到你个人账户中。
如不参加“社保”,还可以购买“城乡居民养老”;只要连续缴费缴足十五年,有十五档供选择;地方财政有相应补贴,加上国家基础养老金;(全国平均117元/月)如每年缴5000元,到60岁也能拿到672元以上
社保养老金多一点,可你每年投入也多几千元;这还要看你地的社平工资高低了。永远记注:天上不会掉金钱,缴费缴的多(投入)养老金自然而然就高一点;不缴费就不享受养老金。
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