辞职后觉得有没有社保无所谓，而后突然意识到社保很重要，研究了一下发现自己还真是“社保文盲”呢。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n相信多数人大致了解社保的保障，今天说说你不知道的那9个问题（如图）。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n一、【国家社保种类】https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n1️⃣公司职工社保（有单位才能交）https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n面向人群：在职员工https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n包含险种：养老、医疗、生育、失业、工伤https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n缴纳方式：【强制】按月缴，公司确定档位（跟工资挂钩）。养老、医疗、失业公司和个人按比例交。生育和工伤公司交。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n社保待遇：延迟退休政策落地，具体可以算出具体退休年龄。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n目前：女性最大退休年龄58岁，男性最大退休年龄63岁。享受医保待遇。按月领取养老金https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n2️⃣灵活就业社保（谁都可以交）https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n自己给自己交。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n面向人群：失业的、无业的、自由职业的https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n包含险种：养老、医疗https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n缴纳方式：【自愿】按月缴，全额个人缴纳，可选档位，部分地区和年龄段有政策补贴。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n社保待遇：按照延迟退休政策换算。享受医保待遇。按月领取养老金。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n注意：https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n(1)公司职工和灵活就业社保，都属于职工社保，养老全国累计年限参考延退政策，医疗退休之日起享受终身。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n(2)退休工资和当地社平工资有关，还有你缴金的档位有关。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n3️⃣居民社保（谁都可以交）https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n成本低，养老金低，医保报销也差一点。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n面向人群：城镇居民、城乡居民、老人、儿童、学生https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n包含险种：养老、医疗https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n缴纳方式：【自愿】按年缴，全额个人缴纳，可选档位。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n二、【个人如何选择】https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n1、有工作的，目前只能选择一直缴费。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n2、不上班，且经济条件好的年轻人和中老年人，交灵活就业，冲到养老医疗冲到规定年限、https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n3、不上班，且经济目前和预期都不好的的年轻人和中老年人，交居民保，冲养老15年。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n三、【为什么要交社保】https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n1、先信国运再信其他，社保就是一份人生兜底。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n2、要有医保，看大病的钱总比交医保的多。https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n3、赚钱是为了自己过的好一点，包括未来年老的自己呢？不交钱也是消费，买杯奶茶就值吗？https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n4、有条件的配商业保险吧，最近DRG医保改革利弊都有，有了在面对医疗条件时有更多的选择。况且人生的路长着呢，谁敢保证自己就是幸运儿呢https://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cnhttps://www.rc.tj.cn\n欢迎一起讨论#社保 #延迟退休 #养老金 #医保 #上海社保 #灵活就业 #社保断缴 #五险一金 #不懂就问有问必答 #deepseek
