Is there a difference between paying social security for 15 years and 20 years?

First, the differences in social security benefits.

The social security payment period is different, and the most direct impact is the individual's social security treatment. Generally speaking, the longer the social security payment period, the higher the treatment you enjoy. For example, the treatment of endowment insurance is closely related to the individual's payment period. In the case of the same payment base, the longer the payment period, the higher the pension benefits. Therefore, people who have paid social security for 20 years can get higher pension benefits after retirement than those who have paid social security for 15 years.

Second, medical insurance benefits.

In addition to endowment insurance, the treatment of medical insurance is also related to the payment period. In some areas, after the social security payment period reaches a certain standard, you can enjoy a higher proportion of medical insurance reimbursement or more medical services. Therefore, paying social security for 20 years may also have an advantage in medical insurance benefits compared with paying 15 years.

Three, unemployment, work injury and other insurance benefits

In addition, social security also includes unemployment, work injury and other insurance. The treatment of these insurances is also related to the individual's payment period. In the face of risks such as unemployment or work-related injuries, individuals who pay for a long time may get higher subsidies or more comprehensive protection.

4. Adaptability to future policy changes

Social security policies may be adjusted with the changes of time and economic environment. A longer period of paying social security means that individuals have more years as "reserves" in case of future policy changes and possible policy adjustments.

To sum up:

There is a clear difference between paying social security 15 years and paying 20 years. In terms of social security benefits, medical insurance benefits, unemployment and work-related injuries, and adaptability to future policy changes, social security that has been paid for 20 years has certain advantages. Therefore, for individuals, it is beneficial to extend the social security payment period as much as possible when conditions permit.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 16 stipulates:

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach 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.

Article 27 provides that:

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.