What should I do if I don't go to work after paying social security for five years?

You can actively find a job and renew your social security in time; You can choose the payment grade according to the flexible employees; You can also choose to switch to basic old-age insurance for urban and rural residents; Of course, you can leave it alone for the time being, but you must ensure that you have paid 15 years of old-age insurance before you retire, so that you can receive your pension immediately after retirement.

First, find a job as soon as possible so that social security can continue. Employees pay social security, including basic old-age insurance, basic medical insurance, maternity insurance (maternity insurance may also be incorporated into medical insurance), industrial injury insurance and unemployment insurance. Of course, the most important thing is basic old-age insurance and basic medical insurance, which are paid by both units and individuals. The basic old-age insurance unit pays 16% social security base, and individual employees pay 8% social security base; Basic medical insurance, the unit pays 8.5% of the social security base, and the individual pays 2% of the social security base. Only by finding a job as soon as possible and paying social security jointly by units and individuals will individuals not have too much burden. In the process of unemployment, those who meet the conditions for receiving unemployment insurance benefits can also apply for unemployment benefits according to regulations.

Second, pay the continuation fee according to the flexible employees. If you can't find a job temporarily, or find a job, but you have a few months' spare time, you can continue to pay according to the payment level selected by flexible employees during this period. Flexible employees can only pay basic old-age insurance and basic medical insurance, and do not pay unemployment insurance and industrial injury insurance. Flexible employees pay basic old-age insurance and basic medical insurance, and the expenses are all borne by individuals, of which the basic old-age insurance is 20% of the payment base and the basic medical insurance is about 8% of the payment base. Suppose that the chosen payment base is 3500 yuan, and the basic old-age insurance and medical insurance expenses that individuals need to bear are 980 yuan. However, for those who are receiving unemployment benefits, there are certain concessions to pay basic medical insurance, and the proportion of payment will be reduced.

The third is to turn into basic old-age insurance for urban and rural residents. If you don't plan to get employed in the future, and the burden of paying the basic old-age insurance for urban workers according to flexible employees is too heavy, then you can change the basic old-age insurance for urban workers into the basic old-age insurance for urban and rural residents. In this way, the burden of payment will be lighter, but correspondingly, the pension after retirement will be less. When the insured person is transferred from the old-age insurance for urban workers to the old-age insurance for urban and rural residents, the storage amount of the personal account of the old-age insurance for urban workers is all incorporated into the personal account of the old-age insurance for urban and rural residents, and the old-age insurance benefits are calculated according to the old-age insurance measures for urban and rural residents. Its basic pension consists of basic pension and personal account pension.

Fourth, you can also choose to leave it alone for the time being. If you have paid the basic old-age insurance for urban workers 15 years or more during your previous work, you can no longer pay it, and you can still receive a pension at retirement age, but the treatment will not be too high. If the employee's pension insurance was not paid enough before 15 years ago, but the retirement age of the individual is still relatively long, it can also be temporarily ignored and continued to be paid after working. Pay before retirement 15 years or more to receive pension. At this time, we must grasp the time. Whether units and individuals pay the basic old-age insurance for urban workers, flexible employees, or urban and rural residents, they must ensure that the accumulated payment of old-age insurance before retirement age reaches 15 years, otherwise they will not receive pensions in time after retirement.

legal ground

According to Article 19 of the Social Insurance Law of People's Republic of China (PRC), if an individual is employed in an overall planning area, his basic endowment insurance relationship will be transferred accordingly, and the payment period will be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.