What should I do if I haven't paid enough pension at retirement age?

If you haven't paid enough pension by retirement age, you need to conduct self-examination first to determine whether there are omissions in payment or insufficient payment grades. If there is a problem, you can repay the pension in a certain way, such as paying the insurance premium and paying the pension for a few more years.

For those who have not paid enough pensions, they need to conduct self-examination first to determine whether their pension contributions are complete. If the pension payment is found to be omitted or the grade is too low, the following methods can be adopted to make up the payment: 1. Payment of supplementary insurance premium: For those who have the conditions to participate in the insurance, they can apply to the social security agency to pay back according to the current grade of old-age insurance, thus increasing the accumulated amount of personal pension. 2. Pay a few more years' pension: If you still have the ability to work and the source of income, you can continue to work and pay a few more years' pension, so as to improve the accumulation amount and collection standard of personal pension. 3. Seek relevant policy help: In some special cases, the government will introduce relevant policies to help those who have not participated in endowment insurance or have insufficient payment, such as providing subsidies and reducing fines. In any case, you need to know the amount, procedures, possible risks and uncertainties in advance.

If you haven't paid enough pension when you retire, will it affect your pension collection? Yes According to the current pension insurance system, the payment of pension is calculated according to the accumulated pension amount and average wage level of individuals. If the amount of pension accumulated by individuals is too low, the final amount of pension may be relatively low. Therefore, it is very necessary to start paying pensions as soon as possible to ensure the accumulation of pensions.

Don't worry too much if you haven't paid enough pension by retirement age. You can check yourself first to determine the payment situation, and increase the accumulated amount of personal pension by paying back the pension. At the same time, in the future work and life, we also need to pay attention to and understand the relevant policies and regulations of endowment insurance to ensure the quality of our retirement life.

Legal basis:

"Social Insurance Law of People's Republic of China (PRC)" Article 16 Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.