Social security has not been paid to 15. What should I do when I reach retirement age? In 2023, the new rules are like this.

As we all know, social security is very important to everyone, which includes five aspects: pension, medical care, maternity, work injury and unemployment. Under normal circumstances, only the insured person can get the pension after paying 15 years, and can enjoy the lifelong medical insurance treatment after paying 20-25 years. In other words, 15 is the minimum annual fee paid by social security.

Social security has not been paid to 15. What should I do when I reach retirement age?

1 employee pension insurance

Postpone payment first: For those who participated in the basic old-age insurance for urban workers for the first time before July of1/year, if the accumulated payment is less than 15 years when they reach the legal retirement age, they can postpone payment for 5 years, and if the payment is still less than 15 years after 5 years, they can pay in one lump sum to 15 years.

Postponed monthly payment: After July of 201/year, I participated in the basic old-age insurance for urban workers for the first time. If the accumulated payment is less than 15 when I reach the legal retirement age, I shall continue to pay the monthly payment until I reach 15.

It is still far from the payment time of 15: it is not very cost-effective to choose every year, and you can choose to convert employee pension insurance into resident pension insurance.

2. Endowment insurance for urban and rural residents

People who have reached the age of 60, but the payment period is less than 15: they can pay to 15 in one lump sum, and then go through retirement procedures and receive a pension.

After reaching the age of 60, people whose household registration has moved from outside the city to this city: extend the payment time or choose to surrender.

How to get a pension when working in multiple cities?

1 The insured place is the same as the household registration place: the pension is collected at the household registration place.

2 The insured place is inconsistent with the household registration place: receive the pension where the accumulated insured years reach 10 years.

2 There are many places where social security has been paid for 10 years: the pension is received at the last place where it has been paid for 10 years.

Less than three places are insured 10 years: receive a pension at the domicile.

The above are some contents about old-age insurance in social security, I hope I can help you.