I haven't bought social security. What should I do if I retire?

Although social security is the basic old-age security, some friends have not paid social security for some reasons. What should I do after retirement? Can I get a pension?

Don't worry, there are three ways to get it. I will share it with you at one time today. You can like to collect and transfer it to friends in need ~

The first type: direct payment of endowment insurance for urban and rural residents.

It is a suitable method for most people to pay the endowment insurance for urban and rural residents directly at their place of residence.

1. One of the biggest advantages of this method is that it can be completed at one time.

If you are over 50 years old and haven't paid any social security before, you can pay the old-age insurance for residents in one lump sum when you are 60 years old, and you can receive a monthly pension after retirement.

2. In addition, there are many choices for the payment grades of residents' pension insurance.

Residents' pension insurance has hundreds to thousands of payment grades, which can be determined according to their income level. If the budget is small, pay less; If your budget is large, you should pay more. It can usually be handed in.

In short, a big principle is that the more you pay, the more you get.

The second type: paying employee pension insurance as flexible employment.

This is the status of flexible employment, and it is necessary to pay employee pension insurance.

1、

Pay employee pension insurance according to flexible employment, and you can choose the payment base according to your income. The payment amount will be higher than the residents' pension insurance, but the advantage is that the pension received after retirement is similar to that paid by the unit.

2、

However, this payment method basically does not support one-time payment, and it needs to be paid honestly on a monthly basis 15 years.

3、

However, what most people don't know is that in this way, some places will issue a subsidy, which is commonly known as "flexible employment subsidy".

The standards of flexible employment subsidies will vary from place to place. Some places are subsidized in proportion, and some places are fixed subsidies.

Generally, the longest period is 3 years. If the retirement age is less than 5 years, you can always get retirement.

It should be noted that the subsidy standards vary from place to place, so it is best to consult the local social security bureau in advance to avoid unnecessary trouble.

The third type: direct payment of commercial endowment insurance.

Using this method, you may get the most pension in the future.

After purchasing commercial old-age insurance, you start to pay money, and you can get a pension every year until the age stipulated in the insurance contract.

Choosing to buy commercial endowment insurance generally has these three benefits:

1, the pension collection time is relatively free.

The social security we pay needs to reach the legal retirement age to receive the pension, while the pension of commercial pension insurance does not have this retirement age limit.

You can first stipulate the age of receiving money in the contract, such as 55 years old, and then receive a monthly pension when you are 55 years old.

2. Flexible payment time.

The payment time of commercial endowment insurance is flexible, including one-time payment and annual payment, such as three years and five years.

Another, the commercial endowment insurance is the lowest 1000, and the purchase threshold is low.

The refund will not be less than the amount you paid.

Some friends are not very optimistic about how long they can live in the future. In case of unfortunate death, will this money be paid in vain?

There is no need to worry about this. If this happens unfortunately, the final refund will not be lower than the money paid.

Friends who have never paid social security but want to get a pension when they are old can try the above three methods.

Finally, add a sentence:

Social security and commercial endowment insurance can complement each other well. If you feel that the social security pension you will receive in the future is not enough, buy a commercial pension insurance if you can, and it will be much easier when you get old.