There’s a popular argument you hear all the time: paying into social security is not as good as saving on your own. For example, some people say that if you save 1,500 yuan a month, after 15 years you’ll have 270,000 yuan in principal, and you might have even more after investing it. But if you pay into social security for 15 years, you might retire and die after collecting benefits for only a few years, making it a terrible deal.

This argument may sound reasonable at first, but there’s one variable it may have overlooked. Retirement benefits can only be claimed after retirement, but medical coverage takes effect and can be used starting from the first month you pay into social security.

As the saying goes, misfortune can strike at any time. Who can guarantee that they won’t get sick until after saving for 15 years? What if you develop a serious illness or get injured after saving for just two months? What can you do then? You’ve only saved 3,000 yuan, and you can no longer work to earn money—that would be disastrous. But if you’ve already paid into social security for two months and have medical insurance reimbursement, the situation would be completely different! What do you all think? $BNB
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