Retirement age to the full 15 did not pay what to do

Retirement age has come to the failure to pay the full 15, you can take the following methods to solve the problem:

1, make up the annual contributions. If you reach retirement age, there are still a few years to have social security, you can make up the payment every year, but then you need to pay late fees at the same time to make up for the annual fee.

2, delayed retirement. At the legal retirement age, and social security has not paid 15 years can apply for delayed retirement, up to 5 years. During the delayed retirement period, you can work while continuing to pay social security fees.

3. Switch to residential social security. If there is still a long time to go before the full 15 years of contributions, turning employee social insurance into resident social insurance may be an option. However, the treatment may be lower than employee social insurance.

4. Stop paying social security and take out the money. If you don't want to spend any more money to pay back social security, you can choose to apply for withdrawal. In this way, the social security fees you paid before will be refunded to you, but you will no longer be entitled to social security benefits.

Calculation of pension:

Base pension. The specific formula is: basic pension = (average monthly salary of the province's employees in the previous year at the time of retirement + the average value of my indexed monthly contribution salary)/2* the number of years I have contributed *1%.

Personal account pension. The specific calculation formula is: personal account pension = total personal account savings / number of months of payment.

In summary, when an employee reaches retirement age but has not paid 15 years of social security contributions, he or she can solve the problem by making retroactive contributions, delaying retirement, making a one-time payment or extending the time of payment to ensure that he or she can receive a pension.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 16

Individuals who have participated in basic old-age pension insurance, and who have made contributions for a cumulative total of fifteen years by the time they reach the legal retirement age, will receive their basic old-age pension on a monthly basis.

Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the statutory retirement age may contribute until they reach the full fifteen years and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or the urban residents' social old-age insurance, and shall enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council.