Can I retire without waiting after paying social security for fifteen years?

After paying 15 years of social security, you can retire without waiting. Paying 15 years is the most rigid requirement for retirement. On this basis, you can meet the age requirements according to the situation.

1. Normal retirement: men over 60 years old, women workers (production and operation posts) over 50 years old, and women cadres (management and technical posts) over 55 years old.

2. Early retirement for special jobs: those who have been engaged in high-altitude and particularly heavy manual labor for a total of 10 years; Engaged in underground and high temperature work for 9 years; Employees who have been engaged in other jobs harmful to health for 8 years, men over 55 years old and women over 45 years old.

3. Retirement due to illness or non-work-related disability: Men over 50 years old, women over 45 years old, and employees who have been completely incapacitated by the Labor Ability Appraisal Committee.

Personal pension insurance can be paid for fifteen years, but it will be paid to retirement age if conditions permit. Because the pension is calculated according to the average social wage level of the previous year, it has been paid for fifteen years at that time, and it has not increased with the increase of the average social wage, so the pension will not be very high. If you still have the ability to pay the endowment insurance, you will continue to pay it until you retire. If there is a unit that has paid 15 years, but the employees have not retired, the enterprise will continue to pay until retirement; Individuals who pay social security can stop paying or continue to pay. According to the local policy, they will definitely continue to pay high salaries. Endowment insurance follows the principle of "pay more and get more". The higher the payment base, the longer the service period, and the more pensions you receive when you retire.

Also need to pay attention to the following issues:

Social security needs to wait until retirement age to apply for retirement and receive pensions; Those who have not reached 1 retirement age cannot enjoy medical treatment from the time they stop paying premiums to retirement. You can enjoy medical treatment after retirement. This can be replaced by rural cooperative medical care or urban and rural medical care; Social security policies vary from place to place, so it is recommended to consult the social security department directly. To apply for social security, individuals should first go to the individual payment window of the social security agency to collect and fill in the Application Form for Individual Payment of Social Insurance in a City and the Contract for Entrusting Banks to Collect Social Insurance Fees, as follows: Individual social security participation types: basic old-age insurance and basic medical insurance.

Payment ratio:

Basic old-age insurance+local supplementary old-age insurance19%;

Basic medical insurance+local supplementary medical care 8.5%.

legal ground

Social insurance law

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.

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.