How long can you get a pension?

How long has it taken to pay 15 years of contributions for a pension?

Generally, you need to pay at least 15 years of accumulated contributions to the five insurance and one pension, you can enjoy the pension benefits when you retire. The only thing that is really relevant to a participant's pension is the pension insurance. According to the provisions of the pension insurance as long as the cumulative contribution of 15 years can be after reaching the statutory retirement age to receive pension, enjoy retirement benefits. China's statutory retirement age is 60 years old for men and 55 years old for women.

The role of the five insurance and one gold, the specific content is as follows:

1, the more personal contributions, the unit for you to put more. Five insurance and gold contributions are the same base unit and individuals bear different proportions, the unit contribution is about two times the individual contribution.

2, the social security fund contributions are tax-free, not only to pay no personal income tax, treatment to receive no personal income tax, and the special account is not deducted interest tax; and if the salary as a payroll to me, is required to withhold personal income tax, deposited in the bank, there will be interest tax.

3. After paying pension insurance for a minimum number of years and reaching the legal retirement age, you can retire and receive a monthly pension. Pension can be received until death, and with the improvement of the standard of living of society and "only increase", will be adjusted every year to increase the capital, can make the old age to get stable and reliable protection.

4, pay medical insurance can get medical insurance reimbursement; if the accumulated in-service contributions to meet the minimum number of years, after retirement can not continue to pay the basic medical fees and can enjoy higher than the level of reimbursement of in-service health insurance.

5. Paying for maternity insurance reimburses the cost of prenatal checkups, family planning surgery and childbirth surgery. Moreover, maternity insurance premiums are fully borne by the organization.

6, pay unemployment insurance can get unemployment insurance benefits and other subsidies in case of unemployment. Unemployment insurance is a policy-based insurance, which is usually not available in commercial insurance companies.

7, pay work injury insurance can be in the encounter of industrial accidents or occupational disease compensation, not afraid of 10,000, just be afraid of the eventuality, especially some of the major accidents, do not have to worry about small companies to delay payment of treatment. Moreover, the premiums for work injury insurance are fully borne by the organization.

8, pay housing fund is equivalent to the unit with you in the same proportion to deposit a tax-free income, can be withdrawn for housing-related purposes, if not used up in employment, retirement can also be a one-time take out; in addition, housing fund loan interest rates lower than commercial loans.

The contribution ratio of "five insurance and one gold":

Pension insurance contribution ratio: 20% for the unit (of which 17% is allocated to the integrated fund and 3% to the personal account), 8% for the individual (all allocated to the personal account);

Medical insurance contribution ratio: 10% for the unit, 2% for the individual + 3

Unemployment insurance contribution rate: 1.5% for the unit, 0.5% for the individual;

Worker's compensation insurance determines its rate according to the scope of the industry into which the unit is classified;

Maternity insurance contribution rate: 0.8% for the unit, and the individual does not pay. The non-working hukou doesn't have this, so the non-working hukou has at most "four insurance and one gold".

Provident fund contribution ratio: according to the actual situation of the enterprise, choose the housing fund contribution ratio. However, in principle, the maximum contribution shall not exceed 10% of 300% of the average salary of Beijing employees.

In summary, "you generally need to accumulate at least 15 years of payment of five insurance and one gold, retirement can enjoy the pension insurance treatment. The only thing that is really relevant to a participant's pension is the pension insurance.

Legal basis:

Article 2 of the Social Insurance Law of the People's Republic of China

The state establishes a social insurance system of basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to protect the right of citizens to obtain material assistance from the state and society in accordance with the law in the event of old age, illness, industrial injury, unemployment and maternity.

Article 16

Individuals who have participated in basic old-age pension insurance shall receive a basic pension on a monthly basis if they have made contributions for a total of fifteen years by the time they reach the legal retirement age. Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the legal retirement age may contribute until they reach the full fifteen years and receive the 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.