Very simply, social security fees are generally deducted from the company account, or paid by the company, and the part paid by individuals is collected by the company.

If you have your pension payment manual, don't pay the company, just ignore it.

The company will not bear the cost for you, and will naturally find a way to help you solve it.

Anyway, this matter must be handled by your unit. It's no use looking for anyone yourself. There is no labor inspection.

Why not talk to the unit leader? Social security relations are based on labor relations. If he doesn't help you out, you will be recognized as an employee of this company by law, and you can ask him for a monthly salary. You should tell him what is harmful to him.

Leaders may do it for you based on their own interests.

How to get farmers to buy rural social insurance

Increase rural social security subsidies in financial support for agriculture.

Part of the reduction of agricultural tax was forced to become a rural social security fund.

Open dynamic accounts of endowment insurance for floating farmers.

Establish a land-for-security system for landless peasants

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The life-saving money of 60 million yuan, which is crucial to the fate of the insured farmers, was lent to others by the Civil Affairs Bureau of Honghe Prefecture, Yunnan Province in the name of raising interest rates and appreciating, resulting in huge debts that could not be paid off.

On February 8, Viewpoint reported the whole story of the misappropriation of donation funds with the title "How 60 million donations were misappropriated".

More than sixty newspapers and websites reprinted the report almost at the same time.

"At present, the public welfare fund managed and used by the civil affairs and labor departments is basically unsupervised. Under normal circumstances, the discipline inspection, supervision and auditing departments will not ask questions if there is no requirement from their superiors. If the leadership of the management department is wrong, it will misappropriate funds for its own or departmental interests. "

"Any problem that the masses strongly reflect can always catch a bunch of dishonest or inaction officials. The problem has existed for a long time, and there are also responses. Why are managers always aware of this? "

……

It is not difficult to see from the comments of netizens that the security of farmers' pension money has received great attention.

What are the problems in agricultural insurance fund management? What is the cause of the problem? How to solve it? Wang yongchao

"Village cadres say that old-age insurance is good. I don't know if it's true or not. Will you pay then? Later, I thought that it was run by the state, and the state would never lie to me, so I decided to pay less attention to it first. " Yan Yingsheng, a farmer from Tai 'an City, Shandong Province, said that this reflected the ambivalence of some insured farmers.

According to the statistics of China Labor Statistics Yearbook, in 2003, there were 2.239 million rural insured persons in China, including 1.397 million rural insured persons, with a total of 54.28 million insured persons. In that year, there were1976,000 insured persons receiving pensions, and only 40 yuan received a monthly pension per capita. If the number of employees in township enterprises and the corresponding endowment insurance fund are deducted, only the payment and pension payment of rural farmers are calculated. According to the current rural old-age insurance implementation method, farmers are 20 to 60 years old, and the payment is divided into 2 yuan to 20 yuan 10. If 2 yuan is paid monthly, the insured farmers can only receive 4.7 yuan's pension after 10, and 9.9 yuan after 15.

It is understood that the vast majority of policyholders vote for the lowest grade, that is, the monthly 2 yuan. Due to the increase in management fees and the decline in bank interest rates, the actual standard of policyholders may be lower. Judging from the actual situation of insurance, it is difficult to achieve this goal by establishing a rural social endowment insurance system to protect the basic livelihood of the elderly.

Farmers are reluctant to buy agricultural insurance accounts, and the phenomenon of surrender in various places has increased.

"The current rural social insurance work can be described as difficult, and there has even been a large-scale surrender phenomenon in some places." Zhu Rongzong, the Social Insurance Administration of Bazhong City, Sichuan Province, said with great anxiety.

Zhu Rongzong said that at present, the methods of agricultural insurance in different places are not uniform, and most farmers think that this is a local act, fearing that policies will change over time and pensions will be difficult to cash, thus affecting farmers' enthusiasm for participating in insurance. In addition, the scope and objects of insurance coverage overlap with the endowment insurance for employees of urban enterprises, and the policy boundary is unclear. For example, some farmers who work and do business in cities are included in the old-age insurance for employees of urban enterprises as individual industrial and commercial households, and some participate in rural old-age insurance.

According to Yang, an expert on social endowment insurance of China Renmin University, the Ministry of Civil Affairs began to pilot the rural social endowment insurance system in some rural areas from 1990, and it was extended to the whole country two years later. "At the peak, the rural population in China was more than 80 million, but this number began to decline from 1998, and there are only more than 50 million people at present. In other words, in the past 15 years, the vast majority of farmers, accounting for 60% of China's population, did not join the social pension system, and their old-age life mainly relied on land and children. "

Yang believes that the main reason for this situation is that although according to the policy at that time, rural old-age insurance is mainly based on individual contributions, supported by national policies, and collective contributions are appropriate to establish individual accounts, in practice, most collectives are unable or unwilling to subsidize rural insurance, and its collective subsidies and national policy support are difficult to achieve, resulting in the vast majority of insured farmers not receiving any subsidies, and individual contributions have become completely paid by individuals, and social insurance has evolved into personal savings.

"This is also one of the reasons why some farmers have interrupted insurance." In addition, Zhu Rongzong believes that in the past decade, the interest rate of banks has been continuously lowered, and the interest rate standard of rural insurance personal accounts has been lowered from the highest 12% to 2.5%. Pensions calculated at the original higher interest rate are difficult to cash, and due to inflation and other factors, it is quite difficult for the agricultural insurance fund to maintain its value, let alone increase its value, which is another important reason for some farmers to surrender their insurance.

There is no unified law for agricultural insurance, and the local legislative basis is insufficient.

Wang Tianyi, director of the research and development department of the Party School of Haikou Municipal Committee and an expert on rural issues, said that although the exploration of rural social endowment insurance in China has been practiced for more than ten years, there has always been a problem of lack of legal protection.

"Because there are no special laws and regulations on the establishment of rural social endowment insurance system, there are many puzzles in the practice of rural endowment insurance in various places, and it is difficult to find a basis for local legislation." Wang Tianyi said that he visited the agricultural insurance departments in Yantai, Qingdao and Suzhou. Comrades in local agricultural insurance departments generally reflect that many provisions of the Basic Plan for Rural Social Endowment Insurance at County Level promulgated and implemented by 1992 are a bit outdated and difficult to operate in practice, while the contents of various documents and leaders' speeches are too general and principled. They can't find a strong legislative basis when formulating local rural social endowment insurance measures, so they have to go their own way.

The compartmentalization of management system is not conducive to the development of agricultural insurance.

Wang Tianyi said that the rural social security management departments in China have the reality of compartmentalization.

"The labor and social security department is responsible for endowment insurance, the health department is responsible for cooperative medical care, the civil affairs department is responsible for relief, subsistence allowance and social special care, the family planning department is responsible for the insurance of family planning objects, and the poverty alleviation department is also engaged in rural social security issues." Sun Tao, an associate professor at the School of Economics and Management of Nanjing University of Aeronautics and Astronautics, compared this rural social security management system to "three troikas and five dragons to control water".

He believes that this fragmented reality has caused man-made contradictions in policy coordination and resource enjoyment, which is not conducive to the promotion and development of agricultural insurance. Not only that, the ownership of rural endowment insurance departments all over the country is also varied, including the establishment of agricultural insurance companies, social security departments and labor departments. This situation has also aggravated fragmentation.

Government financial contribution supports the establishment of dynamic personal accounts.

Sun Tao suggested that the rural social endowment insurance subsidy expenditure should be increased in the financial expenditure for supporting agriculture, and the amount of subsidy funds should be determined according to the payment of rural endowment insurance funds, the increase of farmers' income, the appreciation of endowment insurance funds and other unexpected losses, mainly to guide the development of rural endowment insurance, increase farmers' confidence in participating in insurance, and also help stabilize society and narrow the gap between urban and rural areas.

In the process of agricultural tax relief, part of the agricultural tax relief can be forcibly converted into farmers' endowment insurance funds according to legal procedures or in the name of local governments, and transferred to individual accounts of farmers at different levels according to certain standards and methods to reduce the burden of endowment insurance for farmers.

At present, farmers should be allowed to pay endowment insurance with their own agricultural products. This practice is only a form of short-term use in the transitional period and should be phased out at an appropriate time and place. For farmers who lose their land in the process of urbanization, land users should pay part or all of the old-age insurance on their behalf. We should fully consider the characteristics of farmers' mobility and establish a dynamic individual account for farmers' old-age insurance. No matter where the insured farmers flow in, they will increase the pension fund in their personal accounts according to the nature and characteristics of their units.

At the same time, draw lessons from the experience of special funds for supporting agriculture and helping the poor, and establish rural social endowment insurance sponsorship fund according to the extremely unbalanced rural economic development. Formulate corresponding policies to encourage domestic and foreign enterprises, township enterprises, urban high-income residents and farmers who get rich first to sponsor part of the old-age insurance for farmers in poor areas and promote the development of rural social old-age insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.