New policy of paying social security after retirement

1, annual payment: if the user reaches the legal retirement age, but there are still a few years before the personal social security will reach 15, the user can pay it every year, so that the user can get social insurance benefits when he retires, but the user needs to pay a late fee to pay the annual fee of the user;

2. Extend the retirement age: If the user reaches the retirement age in China and the social insurance does not reach 15, he can apply for extending the retirement age for up to 5 years;

3. Change to resident social security: If it takes a long time to pay 15 years, you can consider changing employee social security to resident social security;

4. Stop paying social security and take out the money: If you have paid social security for less than 15 years, but don't want to pay it again, then users can apply for a refund. But after retirement, they will not enjoy the protection of social insurance benefits;

5. One-time payment: this method will be cancelled in 2022, but it can be paid as long as certain conditions are met.

The way to pay social security can be divided into two ways: individual payment and unit payment. Under normal circumstances, when paying social insurance in the name of an individual, only pension and medical insurance in personal social security can be paid. If users pay social insurance through the company, they can pay pension insurance, medical insurance, housing provident fund, work injury insurance, unemployment insurance, maternity insurance, and usually pay social security in the name of the company, just like employees in enterprises.

How many months can social security stop at most?

According to the actual situation, it doesn't matter if you stop for a few months. If you can make up the monthly payment, you can also continue to pay social security directly. Medical insurance is different from social security. Personal social security adopts the cumulative system to purchase insurance, and social security only needs to pay 15 years. If the insurance is stopped due to irresistible factors, the social insurance premium may not be paid temporarily, but there is a risk of clearing the medical insurance for three months. It is best if you can hand it in early or within the specified time.

legal ground

Article 16 of the Social Insurance Law: Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have accumulated contributions for fifteen years.

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.