Can I retire normally by paying social security?

You can retire normally if you are affiliated with social security.

According to the relevant laws and regulations, as long as an individual reaches the legal retirement age and the accumulated pension insurance period meets the minimum requirements, he can retire normally even if the social security payment is intermittent. Specifically, the endowment insurance can be paid for fifteen years. Even if the social security payment is broken between different units, as long as the minimum age is finally reached, the basic pension can still be received monthly. In addition, if you are willing to pay social security during the interruption, it is also allowed, which can ensure the continuity of pension insurance and help improve the level of pension after retirement.

Risks of joining social security:

1. legal risk: linking social security may violate social insurance laws and regulations, and once it is investigated, it may face legal responsibility;

2. Risk of rights and interests: participation in insurance through informal channels may lead to personal rights and interests not being guaranteed, such as pension calculation and payment, medical reimbursement, etc.

3. Household registration problem: Linked to social security may cause problems such as unstable household registration and inconsistent information, which will affect future social security benefits;

4. Economic loss: once there is a problem with ownership, the social security fee paid may not be refunded, resulting in economic losses;

5. Social security withholding: If the affiliated company has operational problems, it may lead to social security withholding, which will affect the accumulation of pension and the continuity of medical insurance.

To sum up, as long as an individual reaches the statutory retirement age and the accumulated pension insurance period meets the minimum requirements, even if there is a gap in social security contributions, he can retire normally and receive a basic pension on a monthly basis. In addition, the willingness to pay social security can ensure the continuity of old-age insurance and help improve the pension level after retirement.

Legal basis:

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

Article 10

Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.