Will delaying retirement cause the general population to not pay into social security and have a bigger pension gap?

Delayed retirement will cause the general population did not pay social security, pension gap is bigger?

Delayed retirement, will produce a large number of people did not pay social security, and the pension gap will be very large? These concerns or there is some truth to them. As long as we look back, if the delayed retirement is coming, so that a large number of people are likely to see no retirement expectations, for them, the termination of the social security payment is also normal. Many people may then satisfy themselves with the minimum number of years of contributions, according to which 15 years since the payment of pension insurance benefits is a very likely thing.

Because of the 15 years to pay the pension insurance premiums, you can meet the prerequisites to receive the pension insurance, only to experience the level of pension treatment, it will be lower, but due to the delay in the advent of the retirement, that the number of years of contributions increased, so that the termination of contributions. That kind of situation is also possible, but I need to note here is that the vast majority of people who pay social security, especially pension insurance, it is not in their own control.

And their own work enterprise to establish the corresponding labor contract relationship, then you need to follow the rules to pay the corresponding personal social security, which includes the pension insurance, employee health insurance, workers' compensation insurance, unemployment insurance and maternity insurance of the five categories of commercial insurance. As an individual employee, you do not have the right to choose to pay or not to pay, as long as you work in the work unit, so you must pay the social security. Therefore, for this part of the group, in fact, there will not be no social security problems, and in the unit of work of the crowd, are the main force to pay social security workforce.

So from the proportion of this population, in fact, the harm is not easy to be very big, for some flexible workers, most of them are free to choose to pay or not to pay, this is no problem. Self-employed freelancers can pay for pension insurance and employee health insurance in the same way as the company's employees, which is also undoubtedly the same. But our company's employees are through the work of individuals and units to bear the social security contributions, and enterprises and institutions bear, the vast majority of the contribution ratio should be 2/3 up and down.

So it is possible that many people may carry out 15 years of accumulation, accumulation of contribution years later, choose to give up social security contributions. And coupled with the advent of their own delayed retirement, may give up social security contributions. From the source in fact will lead to the social insurance fund will be very large, but overall the harm is actually considered small, because the main workforce of the working population are all normal contributions, so that does not produce a particularly large harm.