What if you haven't bought 15 years of flexible employment social security at retirement age?

According to the policy, for flexible employees or individual industrial and commercial households without employees who have reached retirement age, the accumulated payment of old-age insurance has reached 15 years, and those who meet the requirements can renew their insurance on a monthly basis.

1. What should I do if the retirement age is flexible and the employment contribution is not enough 15 years?

When you reach retirement age, the accumulated payment is less than 15 years, and you need to pay it back. There are two ways to repay. One way is to pay to 15 in one lump sum, and you can enjoy retirement benefits. The other way is to pay monthly, and then enjoy the benefits after 15. Pension insurance must be paid at least 15 years, and you can enjoy pension for life until retirement. If you are a man, you can expect to retire at the age of 60, which is exactly 15 years from now, which can guarantee that you will receive a pension every month after retirement. If a woman (who retires at the age of 50 or 55) has not paid 65,438+05 years when she retires, she can apply for delaying retirement to pay the unexpired period. After the formal retirement formalities, it will not affect her monthly pension benefits. If she doesn't want to postpone retirement, she can also choose to pay in one lump sum.

Article 86 of the Social Insurance Law of People's Republic of China (PRC) stipulates that if the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit, and from the date of default, an overdue fine of five ten thousandths shall be charged on a daily basis; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.

Second, the retirement age of pension insurance for female employees with flexible employment

According to the Notice of the Ministry of Labor and Social Security on Perfecting the Basic Old-age Insurance Policy for Urban Workers (No.20 issued by the Ministry of Labor and Social Security [20065438+0]), the cumulative payment period for self-employed people such as urban individual industrial and commercial households and those who adopt various flexible employment methods is 15 years. If the accumulated payment period is less than 15, the amount stored in his personal account will be paid to him in one lump sum, and the pension insurance relationship will be terminated at the same time.

Third, how to stipulate the retirement age of women's flexible employment?

Usually, old-age insurance has a retirement age, 60 for men and 55 for women. Now the new policy stipulates that female insured persons can choose their own retirement age within the specified age. This means that women with flexible employment can choose to retire early. Recently, news came from the Municipal Labor and Social Security Bureau that the Measures for Calculating and Distributing the Basic Old-age Pension for Enterprise Employees in Zhengzhou (hereinafter referred to as the Measures) stipulates that the new regulations on the basic old-age insurance for enterprise employees implemented on July 1 day are clear, and female insured persons can choose their own retirement age within the specified age. The "Measures" stipulate that female insured persons who have been insured for more than 10 years in the former public-owned enterprises and institutions and whose cumulative payment period has reached 15 years can choose to retire at the age of 50 to 55 if they have been employed flexibly for more than two years. The "Measures" clearly stipulate that in the future, individual industrial and commercial households and flexible employees in Zhengzhou will participate in the basic old-age insurance and reach the required retirement age. As long as the normal payment period reaches 15, you can enjoy the same treatment as retired employees of urban enterprises. Its contribution ratio is uniformly adjusted to 20%, which is 8% lower than that of urban enterprise employees, but the pension calculation and payment methods are the same. The conditions for receiving a monthly pension are: men over 60 years of age, women over 55 years of age, and accumulated payment period of 15 years. Considering the interruption of payment for individual industrial and commercial households and urban flexible employees, it is difficult to ensure that they reach the required retirement age. Therefore, the "Measures" stipulate that after such insured persons reach retirement age, they can voluntarily apply for extending the payment period backwards for up to five years.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 86 of the Social Insurance Law of People's Republic of China (PRC), if the employer fails to pay the social insurance premium in full and on time, the social insurance premium collection agency shall order it to pay it within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.