养老权是国家赋予劳动者的基本权利之一,是劳动者在年老丧失劳动能力时享受国家所提供的物质帮助的权利,不容任何人、任何单位组织侵犯。目前我国实行的是社会统筹与个人账户相结合的养老保险制度,用人单位为劳动者缴纳养老保险费的早与晚、缴费基数的高与低、缴纳的时间长与短等,都直接影响到劳动者退休后养老金的多少。但是从目前情况看,用人单位拖欠养老保险费、降低缴费工资等侵犯劳动者养老权的现象十分严重,究其原因,劳动者本身的“不作为”也是用人单位侵权的原因之一。有相当一部分劳动者只顾埋头干活,对养老保险情况不闻不问,不知道自己的缴费工资,不知道单位是否按时足额为自己缴费,认为这些都与己无关;有的只是在退休后 Pension is one of the basic rights granted to laborers by the State. It is the right of laborers to enjoy material assistance provided by the state when they are old and incapable of work, and no one or any other unit is allowed to organize violations. At present, our country implements the old-age insurance system combining social pooling with individual accounts. Employers pay early and late pension premiums for workers, high and low payment bases, long and short pay, etc., all directly affect The amount of retirement pension workers how much. However, judging from the current situation, the employer is in arrears in paying endowment insurance premiums and reducing wage payment, which violates the right to pension of the laborer. The reason for this is that the “non-act” of the laborer itself is also one of the reasons why the employer infringes. A considerable part of the laborers only work hard at home, indifferent to the situation of pension insurance, do not know their own pay wages, do not know whether the unit paid their own time and in full, that these have nothing to do with; some just after retirement