Is it still meaningful to pay social security at the age of 52

It is meaningless to pay social security at the age of 52 for the following reasons:

1, 52-year-old people have never participated in basic old-age insurance, so it is actually late to establish employee old-age insurance now;

2. Because this employee pension insurance needs to be paid for more than 15 years, you can retire and enjoy the pension benefits;

3. Therefore, starting to pay this basic old-age insurance at the age of 50 means that you can retire at the age of 67 and enjoy the treatment of this basic pension;

4, then there is no need to participate in this situation, because the employee pension insurance can be paid in one lump sum before retirement, and the accumulated payment period can be completed. If the accumulated payment period does not reach the15th anniversary before the statutory retirement age, then you can only choose to postpone retirement and pay the fees year by year;

5. You can't retire and enjoy pension benefits until the fifth anniversary of/kloc-0, so obviously you can't retire and enjoy pension benefits until you are 65 years old, which is not cost-effective for individuals.

The reasons for paying social security are as follows:

1, social security payment is compulsory according to law;

2. Guarantee the basic livelihood of the unemployed during unemployment and promote their re-employment;

3. Guarantee the basic needs of the elderly and provide them with a stable and reliable source of livelihood;

4. Protect women's legitimate rights and interests and improve women's employment environment;

5. The basic medical needs of employees are guaranteed.

You can use Alipay to pay social security online. The process of paying social security by Alipay is as follows:

1. Open Alipay app, click Citizen Center and click Social Security;

2. Then click the social security provident fund service under the third-party service, and then click the social security agency-social security agency in turn;

3. At this time, click I want to handle it, and click photo authentication;

4. Complete the business license authentication, the authentication of the person in charge and the confirmation of the power of attorney step by step.

Personal social security payment method is as follows:

1, social security for freelancers (pension+medical care);

2. Insurance conditions: urban hukou or rural hukou;

3. Handling location: local community street social security service points, or district and county social security bureaus (labor and social security bureaus);

4. Basic information on how individuals pay social security needs: household registration book, ID card and photocopy, and two 1 inch photos;

5. Payment standard: based on the local social wage in the previous year, the proportion of pension payment is 20%, and that of medical care is about 9%. At present, 80% and 100% are still available.

The benefits of paying social insurance are:

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If it is paid to me as salary, personal income tax will be withheld, and if it is deposited in the bank, there will be interest tax;

The current policy is to pay more and get more, so we should pay as much as possible, and our pension is also related to social wages. Therefore, as far as possible, pay in the front line and go through retirement procedures in the front line. Because the social wages in first-tier cities are high, the pension will be higher then. In addition, we should participate in medical insurance as much as possible, that is, employee medical insurance. After a certain period of accumulated payment, you can go through the medical insurance retirement procedures. So you can also have health insurance retirement benefits.

Characteristics of social insurance:

1, insurance: guarantee function;

2. Mandatory: All enterprises and individuals within the scope of the law must participate, which is a bit like the nine-year compulsory education of the country;

3. Welfare: Social insurance is a social security enforced by the state, which is not for profit, has the nature of social welfare and is a public welfare undertaking.

To sum up, social security should be paid as much as possible. In this way, the elderly will have basic old-age security and a certain quality of life. If you have plenty of money, you can also participate in commercial endowment insurance, which can make up for the shortage of basic endowment insurance.

Legal basis:

Article 64 of People's Republic of China (PRC) Social Insurance Law

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.

Article 65

Social insurance funds achieve balance of payments through budgets.

When the social insurance fund is insufficient to pay, the people's governments at or above the county level shall give subsidies.