Social security has been paid for 15 years, can I stop? What should I pay attention to?

Legal analysis: different situations should be distinguished.

First, working in the unit, you can't stop insurance without authorization.

There are two ways for citizens to pay social security, one is that the unit pays on their behalf, and the other is that the flexible employees pay by themselves. If you work in an enterprise and sign a labor contract, it is their legal responsibility and obligation for the enterprise to pay social security for employees, which is mandatory. Even if employees sign an agreement to voluntarily give up buying social security, it is invalid. Once the company fails to purchase social security for its employees, it will violate the labor law and will be punished by law. So, if you work in an enterprise and want to stop insurance, stop insurance.

If you are a flexible employee and pay social security yourself, you can choose to stop insurance after paying social security for 15 years. When they reach retirement age (60 for men, 50 for women workers and 55 for women cadres), they can go through retirement procedures according to the policy and receive a monthly pension.

Second, the payment 15 years is not enough to enjoy lifelong medical insurance benefits.

Social security includes endowment insurance, medical insurance, industrial injury insurance, maternity insurance and unemployment insurance. The condition for receiving a pension is that the payment period reaches the standard and reaches the retirement age. /kloc-after 0/5 years, as long as you reach retirement age, you will reach the minimum threshold for receiving old-age pension, but you will not reach the standard for enjoying lifelong medical insurance.

Different regions have different regulations on medical insurance benefits, and you can also enjoy corresponding fee reduction and exemption for medical treatment. If the payment period is less than 20 years, you will not enjoy this treatment.

So if you pay 15 now and want to surrender your insurance, you can receive your pension normally after retirement, which means that the medical insurance benefits have an impact.

Third, just after 15, I stopped insurance and enjoyed a low pension after retirement.

The suspension of social security payment 15 years may also affect the settlement of points, the purchase of houses and cars, the lottery, and the schooling of children. Therefore, it is suggested that unless you are really poor, it is better to insist on paying social security until retirement, for nothing else, at least to get a higher pension and enjoy the corresponding medical treatment after retirement, which can ensure that we can cope with the basic life after retirement.

Legal basis: Article 16 of the Social Insurance Law of People's Republic of China (PRC). 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.