Can I make up my personal pension?

Workers who have reached the statutory retirement age, but the payment period of old-age insurance is less than fifteen years, can pay back to fifteen years in one lump sum, and then enjoy the old-age insurance benefits according to law. But it can also be transferred to the new rural insurance or urban residents' social endowment insurance without repayment. According to the old-age insurance regulations, the accumulated contributions reach 15 years before reaching the statutory retirement age for retirement procedures. Before applying for supplementary endowment insurance, individuals should fill in the supplementary undertaking and application form, and provide relevant supporting materials, and then submit an application for supplementary payment to the filing institution.

Social security payment conditions:

1, pay social security, generally take insurance (pay back) for some historical issues, male under 60. Female under 50 years old, social security 15 years or more. No need to return;

2. For endowment insurance and medical insurance, social security is cumulative. As long as you have accumulated the corresponding years before retirement, you don't have to pay it back. However, in some cities, such as Beijing, Shanghai and Guangzhou. The social security of foreign residents needs to be paid continuously for a certain period of time, and some of them are counted as continuous months when calculating the continuous payment time of social security. Therefore, if the payment is suspended midway, you can find an agent.

3. If social security is paid in Jiangsu Province, it depends on whether it is paid by yourself or by the employer. If it is paid by the employer, it must bring relevant materials to the local social security agency and go through the payment procedures according to law. If it is paid by individuals, employees can only pay medical insurance and endowment insurance. You can also call the local human resources department for detailed consultation.

To sum up, if a worker reaches the statutory retirement age, but the payment period of old-age insurance is less than fifteen years, he can pay it back to fifteen years in one lump sum, and then enjoy the old-age insurance benefits according to law. But it can also be transferred to the new rural insurance or urban residents' social endowment insurance without repayment.

Legal basis:

Article 26 of People's Republic of China (PRC) Social Insurance Law

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 27

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.