I've heard that it's possible to make up 15 years of social security contributions at once at ages 55, 60 and 65 - is that really true?

It is indeed possible to make up 15 years of pension contributions at once at these three ages, but it is conditional, not unconditional.

The three different ages it is not the same.

55 years old is for women's statutory retirement age, of course, there may be a small number of women can retire at 5 years old, then that means you have reached the statutory retirement age of 55 years old, if you do not have a cumulative contribution period of 15 years, due to personal reasons caused by the interruption of social security is not allowed to make up for the situation, only to delay the retirement.

The rationale for 60 years old is the same, because 60 years of age is the face of the male statutory retirement age, when you reach the statutory retirement age, but do not meet the cumulative contribution period of more than 15 years, is not directly for retirement, and by the personal reasons for the interruption of social security contributions caused by a one-time contribution, only to choose to delay retirement. But there is a possibility that you can make retroactive contributions, that is, you normally participate in the workplace, and your social security interruption is not caused by personal reasons, is caused by the reasons of the workplace.

Then this case by the work unit application to make up for the corresponding social security is possible, and the work unit should bear the cost of the corresponding late payment, then it is possible to make up for the payment, if you make up for the completion of your cumulative contribution period of more than 15 years can be normal to go to the legal retirement age for retirement to enjoy the treatment of pension, in addition to the personal reasons for social security interruption. The company is not allowed to make up for the interruption of personal reasons, only to delay retirement, of course, the age of 65 years old stage does not exist to make up for the problem, because it has passed the current statutory retirement age time, so that is not 65 years old to make up for such a concept.

Three ages of a one-time payment of 15 years of pension insurance conditions

1. Each place shall not violate the state regulations, take a one-time payment, will be more than the statutory retirement age, such as ineligible persons, into the basic employee pension insurance coverage.

2. Individual urban industrial and commercial households and flexibly employed persons shall not increase the number of years of contributions by making retroactive contributions after the fact.

3. For those who make retroactive contributions to pension insurance in accordance with state regulations, late payment fees shall be paid in accordance with the provisions of the Social Insurance Law.

Generally speaking, as long as you can prove the labor relationship between the two parties, or the employer can provide employment procedures or payroll, original accounting vouchers and other supporting materials, no matter how many years of social insurance can be paid back. The act of falsifying payrolls to qualify for insurance coverage can lead directly to fraudulent insurance behavior, which is prohibited and may face criminal penalties.

Besides the fact that there is a labor relationship that can be retroactively paid, there are also these special cases:

1. Special groups of people who have already established individual accounts before the July 1, 2011 implementation of the Social Insurance Law. According to Several Provisions on the Implementation of the Social Insurance Law, those who participated in the insurance before the implementation of the Social Insurance Law and still have less than fifteen years of contributions after five years of extended contributions can make a one-time contribution until they reach the full fifteen years.

2. The age for switching to urban and rural residents' pension insurance and receiving a pension is 60 years old. Shandong and many other regions, are reached the age of 60 years less than 15 years of one-time make up, and then you can receive the pension.

The pension insurance one-time replacement policy, on the one hand, is not conducive to the balance of income and expenditure of the pension insurance fund, on the other hand, increase the pressure on our future pension insurance fund. Therefore, will be more and more strict. For young people, must plan in advance, do not wait until old age regret.