What should I do if the rural old-age insurance fails to meet the expenses?

Possible reasons include, but are not limited to, personal financial difficulties, payment system failures, and changes in payment methods caused by policy adjustments.

For those who are unable to pay due to personal financial difficulties, the following solutions can be considered: First, apply to local government departments for deferred payment or exemption, and some areas have corresponding preferential policies for specific difficult groups; Second, seek the help of relatives and friends or social organizations to temporarily solve the payment problem; Third, by increasing personal income, such as taking part in agricultural production and working, improve one's economic ability and ensure payment on time.

If the problem lies in the payment system, you can try the following operations: first, check whether your network status is normal to ensure that you can access the payment platform smoothly; Secondly, try to change different payment channels, such as going to village committees, township governments or social security agencies to pay offline; Finally, if the problem still exists, you can contact the local social security department or relevant departments for consultation and feedback, and seek technical support and help.

In addition, with the continuous adjustment and change of policies, the payment method of rural endowment insurance may also change. Therefore, it is recommended to pay regular attention to the notices and announcements issued by local government departments or social security departments to understand the latest policy provisions and payment requirements.

To sum up:

Rural endowment insurance can't be time-consuming. We should first find out the causes of the problems, and then seek targeted solutions. Personal financial difficulties can apply for deferred payment or exemption, seek help or increase income; If the payment system fails, you can check the network status, change the payment channel or contact relevant departments for consultation; At the same time, we should pay attention to policy changes and ensure that payments are made in accordance with the latest regulations.

Legal basis:

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

Article 60 provides that:

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.

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

Article 63 provides that:

If the employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit. If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement. If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, and the proceeds from the auction will be used to offset the social insurance premium.