I am 46 years old. Is it worth paying social security now?

Social security is divided into employee social security and urban and rural social security, and their contents are inconsistent. Employee social security includes medical care, pension, work injury, maternity and unemployment insurance, and urban and rural social security includes medical care and pension insurance. If you are 46 years old, is it necessary to buy social security?

First, if you are a woman, there is no need to buy social security for employees, but it is necessary to buy social security for urban and rural residents.

At present, the retirement age of women in China is 50, and that of female cadres is 55. In this case, women who have not bought social security should not belong to female cadres. At this time, if they buy employee social security, they will only pay social security for five years when they retire, and they cannot receive a pension. If they want to receive a pension, they must continue to pay social security in the form of flexible employment. At this time, the social security contributions of units and individuals are borne by individuals and paid monthly, and the economic pressure is still great. It may cost tens of thousands a year, until 60.

At this time, you can choose to pay social security for urban and rural residents, including medical insurance and endowment insurance. Medical insurance is paid once a year and you can enjoy medical insurance benefits for one year. Endowment insurance is also paid on a monthly basis. Local standards are different. Under normal circumstances, it is only a few thousand yuan at most a year. At the age of 60, you can get a pension, and the economic pressure will be less.

Second, if it is a male, it is best to buy employee social security.

According to China's current policy, men's retirement age is 60, and with the promotion of delayed retirement policy, the final retirement age is 65, and at this time it is only 46 years old. At retirement age, you can fully meet the minimum payment for receiving a pension 15 years, and once you retire, you can go through retirement procedures to receive a pension.

Of course, you can also choose to pay social security for urban and rural residents, but the pension for employee social security is much higher than that for urban and rural residents, basically several times higher. Therefore, in order to receive a higher pension after retirement, it is best to pay employee social security.

Summary: It is not too late to pay social security at the age of 46, but it is better for men and women to choose differently. The retirement age for women is only 50, which is not very cost-effective. It is more cost-effective for urban and rural residents to pay social security. At the retirement age of 60, it is more appropriate for men to pay social security for employees, and the pension they receive after retirement is higher!