What if my parents are almost 60 without social security?

Parents are nearly 60 years old and have no social security. We can solve this problem by understanding social security policies and payment regulations, considering paying back social security, buying commercial insurance, strengthening family financial planning and paying attention to relevant government policies.

First of all, understand the social security policy and payment regulations.

First of all, we need to have a deep understanding of local social security policies and payment regulations. Social security policies in different regions may be different. Only when we have a clear understanding can we formulate a suitable social security plan for our parents.

Second, consider paying social security.

If parents have never participated in social security before or the payment time is short, they can consider paying social security. The specific amount and time to pay social security will vary according to factors such as parents' age and payment period. It should be noted that the payment of social security needs to meet certain conditions and regulations. It is recommended to consult relevant departments or professional institutions before deciding whether to pay back.

Third, commercial insurance as a supplement.

In addition to social security, you can also consider buying commercial insurance as a supplement. Commercial endowment insurance and medical insurance can provide certain protection for parents' old age. When choosing commercial insurance, we need to pay attention to the credit, product guarantee, premium and other factors of the insurance company to ensure the purchase of suitable insurance products.

Fourth, strengthen family financial planning.

In addition, it is necessary to strengthen family financial planning and make full preparations for parents in their later years. You can accumulate a certain amount of funds through savings, investment, etc. Pay for your parents' possible medical and pension expenses.

Verb (abbreviation of verb) pays attention to relevant government policies.

Finally, we need to pay attention to the dynamics of relevant government policies, so as to understand and make use of possible preferential and supportive policies in time. The government may introduce some preferential policies or subsidies for the elderly, which can provide some help for parents' old-age life.

To sum up:

Parents are nearly 60 years old and have no social security. We can solve this problem by understanding social security policies and payment regulations, considering paying back social security, buying commercial insurance, strengthening family financial planning and paying attention to relevant government policies. Through these measures, we can provide better protection and support for our parents in their later years.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 16 stipulates:

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

People's Republic of China (PRC) social insurance law

Article 27 provides that:

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

People's Republic of China (PRC) social insurance law

Article 58 provides that:

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.