How can employees apply for pensions without paying social security?

Part of the principal and interest paid by the individual in the employee's account can be refunded to the employee at one time, or it can be repaid by itself for fifteen years.

Pension insurance must be paid at least 15 years, and you can enjoy pension for life until retirement. If you are a male, it is exactly 15 years from now to retirement, which can guarantee that you will receive a monthly pension after retirement. If you are a female (retired at the age of 50 or 55) and haven't paid 15 years by the time of retirement, you can apply for an extension of retirement to pay the unexpired years. After the formal retirement formalities, your monthly pension will not be affected. If you don't want to postpone retirement, you can also choose to pay in one lump sum.

The payment method of social security is:

1. If the laborer works in the company, you can ask the company to pay social security for you, and the proportion of payment shall be paid by the employer and the employee respectively.

Two, if the workers are individual industrial and commercial households or free workers, workers can choose to pay the old-age insurance for urban residents or rural residents. The specific operation method is:

1, you can carry the employee's old-age insurance handbook and the proof of unemployment, dissolution or termination of labor relations, and go to the social insurance institution to handle the continuation of the old-age insurance relationship (the former employees of municipal-level insured enterprises go to the municipal social labor insurance bureau to handle it).

2. After the continuation of the pension insurance relationship, the payment period can be combined with the previous payment period in the enterprise. If the statutory retirement age is reached and the payment period exceeds 15 years, the filing unit will handle the retirement procedures on behalf of it and enjoy the pension insurance benefits according to regulations.

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