Zhu Xiuhua knew she was in the wrong and apologized honestly, "I'm sorry, I misunderstood before."
Yun Luo said nothing.
Zhu Xiuhua explained, "You showed up too suddenly, I was not mentally prepared at all, so..."
"Please help me!" She begged with all her might, "I have two elderly people and two children at home, and I really can't stand it."
What crime has the child committed?
Yun Luo appeared and spoke reluctantly, "I've said before that the family structure is too dangerous."
Zhu Xiuhua smiled bitterly, "The child has already been born, I can't just put it back."
Before having a second child, I was thinking that being an only child is too lonely. It would be better to have a younger brother or sister to keep me company.
After giving birth, she found that the expenses were too high! In order to take good care of the child, she had to spend more energy.
I used to be a stay-at-home mom and could barely handle it. But now that the family finances are in trouble and I have to go out to work, I am immediately overwhelmed.
Sometimes Zhu Xiuhua even thought that if she had known her husband would be laid off, she would not have had a second child. Now it is like a hot potato, and no matter how she arranges it, it is not appropriate.
Yun Luo: "Then try to remedy it in other ways."
Yun Luo: "The elderly have no pension insurance or medical insurance, so we should provide them with some first."
"How to do it?" Zhu Xiuhua asked.
Yun Luo: "The government once introduced a related policy, where you pay a one-time fee for 15 years and then receive a monthly pension. It starts at 700-800 yuan, and then increases every July. You can also enjoy medical insurance."
Zhu Xiuhua's eyes lit up.
When people get older, they are most afraid of getting sick. Medical expenses can easily run into the tens of thousands, which is simply beyond the reach of most families.
Unfortunately, many commercial insurance companies do not accept elderly customers who are over a certain age. Zhu Xiuhua wanted to buy insurance for her parents-in-law, but there was nowhere to buy it!
Now she heard that if she paid the fee, she could not only receive a monthly pension but also enjoy medical insurance, so she asked hurriedly, "What kind of insurance is this? Is it reliable?"
Yun Luo: "The full name is social basic pension insurance."
Yun Luo: "Workers pay five types of insurance, one of which is basic pension insurance."
Yun Luo: "In order to solve the pension problem of the rural population, the policy is tilted to allow them to make up for 15 years in one lump sum as flexible employment personnel."
After the system said this, Zhu Xiuhua understood.
After quitting her job and becoming a full-time housewife, she pays for her own insurance as a flexible employment worker.
If it was commercial insurance, she might worry that it was a scam.
But the social basic pension insurance and urban employee basic medical insurance are universal, so what is there to hesitate about? If you can make up the payment, do it now! !
"How much does it cost? Where can I pay?" Zhu Xiuhua asked.
Yun Luo: "This requires the host to go back to the village and ask."
Yun Luo: "There is a time limit for making up the payment. Once the policy changes after this period, you won't be able to make the payment even if you want to."
Zhu Xiuhua nodded repeatedly after hearing this. "I'll take note of it and ask about it tomorrow."
After indicating the direction for the host to act, the man in the suit disappeared.
Zhu Xiuhua felt relieved.
Glancing at the clock and seeing that it was still early, she packed up briefly and went out as planned to attend a gathering with her girlfriends.
**
When married women get together, they always complain to each other. One says that her mother-in-law is difficult to get along with, another says that her husband is not motivated, and some complain that their children are disobedient and they don't know how to teach them.
When it was Zhu Xiuhua's turn, she frowned, "I've been so unlucky lately! My husband said he'd lose his job and he's unemployed. I have two children to raise and three parents to take care of. My monthly living expenses are several thousand yuan, and I still have to pay off my mortgage and car loan. Life is so hard!"
Generally speaking, after one person complains, others will offer courtesy and comfort.
But after Zhu Xiuhua finished complaining, the whole audience fell silent and no one spoke for a long time.
Zhu Xiuhua felt embarrassed and made an excuse to go to the bathroom.
After she left, the other three looked at each other, complaining, "Why didn't you say anything? How embarrassing was that?"
"You haven't said a word yet!"
"I'm sorry, but when I heard her complain, I just wanted to laugh, then put my hands on my hips and yell, 'You have come to this day!' Other than that, I had no other thoughts..."
After these words were spoken, the other two fell silent at the same time.
After a while, one person quietly admitted, "I feel uncomfortable, too."
"We all have mother-in-law/husband/children who don't cooperate, there's nothing we can do. What about Xiuhua? She did it herself!"
"I've reminded her so many times before, but she never takes it seriously. Money should be spent, a second child should be born, and a full-time wife should stay at home. If she lives like this for a long time, it would be strange if nothing bad happens."
Another person also said, "When I usually hear her talk about family matters, I feel anxious for her! But she acts like nothing is wrong and doesn't think anything is wrong at all."
"I can only remind her in a subtle way. If I say it too much, she will get angry. She keeps saying 'my family is rich and we can live a good life'. It's as if I'm jealous of her family's prosperous life."
"When we were chatting, it sounded like the wave of layoffs was far away from us. Talking too much about it seemed like we were worrying too much and worrying about nothing. Now that it's really happening to us, do you know how serious it is?"
"If I had listened to the advice before, and not had a second child or had it later, and bought a smaller second house with less monthly mortgage payments, and not bought a new car, and saved more money, life wouldn't be so difficult now!"
"When I think about how she has a bad life, I can't feel sympathy for her..."
"Who says it's not?" the sisters echoed.
Zhu Xiuhua walked out of the bathroom and overheard everyone's private conversation. Her face immediately turned pale.
She wanted to rush out and question them, but then she thought, did they say anything wrong? No.
It is because what is said is the truth that every word is so heart-wrenching and pierces the heart.
If she hadn't been overconfident and failed to take any precautions beforehand, the family's situation wouldn't be as difficult as it is now.
After figuring it out, Zhu Xiuhua's breathing stagnated, her heart seemed to be clenched, and she felt more and more uncomfortable.
**
In the evening, the couple returned home and looked at each other in silence.
Chatting to relax and relieve depression? Not happening. The whole world seems to be happy, and they are the only ones who are miserable.
Finding a chance, Zhu Xiuhua talked about the issue of making up the social security payments.
Almost instantly, Jiang Guoyun thought of Zhang Yan's parents. He said without hesitation, "If you can afford insurance, you must pay for it. With pension and medical care, the elderly will have basic protection."
"That's what I mean," Zhu Xiuhua said. "Given our family's current situation, if we have a headache or fever, we won't be able to afford the medical expenses."
Jiang Guoyun moved his lips, wanting to promise his wife a bright future, but he could do nothing about it as he received no reply after submitting his resume.
In the end, thousands of words turned into a sigh.
**
Early the next morning, Jiang Guoyun sent his child to kindergarten, and then he and Zhu Xiuhua drove back to the village.
As soon as it was mentioned, the village committee responded, "There is such a rule, and everyone in the village has been notified before."
Jiang Guoyun asked curiously, "Why haven't I heard of it?"
"Your parents won't agree!" The village committee said helplessly, "Pay 80,000 yuan in one go, and get 700 to 800 yuan a month in the first year. Your mother thinks it's not worth it."
"Ten thousand a year, it will take nearly ten years to get back the principal. I don't know if I can live to see that time."
"I told her that her salary was increasing every year and that her investment would be recovered faster than expected, but she refused to listen. She kept saying that her son was promising and could provide for them in their old age."
"There are many families with successful sons. Many people think this is a benefit and rush to pay the fees. But your family won't listen no matter what I say."
"I was afraid that if I continued to persuade them, they would think I was trying to cheat them out of their money, so I just let them do what they wanted."
Jiang Guoyun felt a tightness in his chest.
Although he had long been accustomed to his parents letting him take care of them in their old age, he didn't even bother paying the social security when he had the chance, and was counting on him. This was too much...
After calming down, Jiang Guoyun asked, "Can I still pay it now?"
The village committee replied, "Yes, but you have to hurry. If you miss this village, you will miss this store."
"Okay." Jiang Guoyun agreed solemnly.
After leaving the house, Zhu Xiuhua showed a distressed look, "Eighty thousand for one person, sixteen hundred thousand for two people, where can I get the money?"
You know, the dismissal compensation is only 150,000!
During the employment vacuum period, they still have to rely on savings to pay mortgages and car loans. Once the capital chain breaks, the consequences will be disastrous.
Jiang Guoyun was silent for a moment, then said, "Let's sell the house we live in."
"Are you crazy?!" Zhu Xiuhua was angry and anxious, "House prices have fallen again recently. If you sell now, you will lose at least half a million!"
"Losing money is better than dying. Paying back 8,000 yuan a month is too stressful." In an instant, Jiang Guoyun looked several years older and indescribably decadent.
"No, I don't agree!" Zhu Xiuhua couldn't convince herself.
"Then what do you think we should do?" Jiang Guoyun asked back.
Zhu Xiuhua gritted her teeth and made up her mind, "If it really doesn't work, we won't make up the difference."
"How can that be possible? We finally come across such an opportunity." Jiang Guoyun strongly objected.
"If you ask me, the most important thing right now is to find a job," Zhu Xiuhua calmly analyzed. "With an annual salary of 300,000 yuan, we could have raised two children and parents, wasn't that enough?"
“It doesn’t matter whether you pay social security or not.”
Hearing what his wife said, Jiang Guoyun looked hesitant and couldn't make a decision for a moment.
Just at this moment, Zhu Xiuhua received a call.
After answering the phone and chatting briefly, her expression suddenly changed. "What? My mom fell and was hospitalized?!"
**
It was several hours later when we arrived at the hospital.
Zhu Xiuhua's face was pale, and her eyes were full of worry. Entering the ward, she stepped forward and said, "Mom, are you okay?!"
Zhu Xiuhua's father passed away a few years ago and her mother lives alone.
Hearing this, Zhu's mother shook her head. "It's just that I'm old and my legs and feet are not strong enough, so I accidentally fell. The doctor checked and said it's okay and I can be discharged after a week of rest."
"That's good." Zhu Xiuhua's heartbeat gradually calmed down, but she suddenly thought of a problem - her mother had difficulty walking, so wouldn't she have to be taken care of in the hospital this week?
What about the children?
How to handle a job interview?
What should I do with the medical expenses?
Before she could speak, Zhu's mother said, "I have money in my medical insurance card. I don't need to trouble you. Go back."
Zhu Xiuhua breathed a sigh of relief, but still said, "You have a disability and need someone to take care of you. How can I just abandon you at this time?"
"No, no." Zhu's mother declined repeatedly, but she was very happy in her heart.
At the same time, Jiang Guoyun was thinking, what should he do if his parents were bumped or hurt this time?
Without medical insurance, medical expenses cannot be reimbursed and you have to pay for everything yourself.
If you spend hundreds or thousands of dollars every day, you can't afford it even if you have mountains of gold and silver at home!
Thinking of this, the idea of selling the house and paying the insurance premium became more determined.
The author has something to say:
Author's Science
The fifteen years of supplementary payment is for employees’ pension and medical care.
So every July, we increase the salaries of retirees together.
My impression is that not only rural residents but also urban residents can make the supplementary payment if they are willing.
I don’t know if I can still make up for it now, as the policies are different every year/in every region.
Why do you have to pay for commercial insurance as a supplement when you are young? Because when you are older and want to pay, people won’t sell it to you.
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