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由社保引发的劳动争议往往都是企业没有给员工参保而被告上法庭的。绝大多数人还是非常重视自己的社保权益,哪怕是一些没有固定工作单位的个人,都会想方设法为自己谋求一份社保的参保资格。
互联网+时代,公司的概念逐渐淡化,平台的作用更加凸显,很多人可以摆脱公司的束缚,成为自由职业者,例如专车司机、厨师、美甲师、按摩师等,都可以通过平台获得订单,但他们与平台之间并无劳动关系。还有大量的自己做生意的、演艺圈的人士等,都因为没有固定的工作单位,而无法参加社保,于是很多人不得不求助于社保代理。严格意义上来说,这是违规的,但仍旧有大量的自由职业者选择这条途径。
小孙就是通过一家社保代理公司进行社保挂靠,他每月的社保费是1300多元,这还是按照北京市社保的最低缴费基数来缴纳的,这里面包含了公司应该为员工缴纳的部分和个人应缴纳的部分。因为他没有工作单位,公司应缴的大头部分也只能自己承担,所以他比别人要多交好几倍的社保费。小孙告诉记者,他的老家在气候宜人,四季如春的昆明,他退休以后肯定是要回老家养老的,所以交着北京的养老保险,对他来说,将来养老的意义并不大。但因为社保捆绑了太多的公共政策,诸如外地户籍者买房需要连续缴纳5年社保,购车摇号需要连续缴纳5年社保,将来孩子在北京上学各区县也对家长的社保缴费年限有不同的要求。这些硬杠杠都是挡在他们这些外地户籍者面前的拦路虎。因此,为了享受到这些利益,自己花钱买社保是个不得已的选择。
延迟退休不会降低养老金待遇
如今,延迟退休的消息传得沸沸扬扬,虽然方案迟迟未出台,但肯定已经是板上钉钉的事情了。这个消息就更让一些人对养老保险“绝望”了。因为延迟退休就意味着工作时间延长,缴纳社保的时间又多了几年,而将来领养老金的时间又少了几年。“听说男的要延迟到65岁,假设从25岁开始工作,80岁寿终吧。男的过去60岁退休,交35年养老保险,将来能领20年养老金;以后65岁退休,那就相当于交40年养老保险,领15年养老金。交的时间比领的时间长那么多,肯定不划算啊!”老吴说出了很多人的顾虑。
对于这个问题,人社部新闻发言人李忠回应称,延迟退休并不会减少个人养老金的待遇,养老金的待遇无非是基础养老金和个人账户养老金,总的计发办法是长缴长得、多缴多得。即养老金和工龄是成正比的,延迟退休养老金也会随之增长。
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