Can I pay social security after fifteen years?

Retirement age 15 Insured persons who have not paid social security can make up for it.

The insured person can pay a one-time fee and then receive a basic pension on a monthly basis; Or it can be transferred to the new rural social endowment insurance or urban residents' social endowment insurance.

1. How many years of social security is required by law?

According to the law, the social security must be paid at least 15 years, and 15 years is the minimum base, and it cannot be interrupted in the middle, and late fees will be paid for subsequent contributions. Every year after 15, the proportion of retirement pension will increase.

After participating in the basic old-age insurance, if the payment is interrupted, the personal account pension will first be fixed and stagnant, and the payment period of the interruption time naturally cannot be added to the combined payment period. When retiring in the future, the basic pension is relatively low when calculating retirement benefits according to the accumulated payment period. Secondly, the amount of personal account savings is small, and the personal account pension is also reduced. When adjusting the pension level in the future, the pension level caused by the interruption of payment is low and will not be tilted. Generally speaking, the loss caused by interruption of payment is far greater than the basic old-age insurance premium saved by interruption of payment.

When people who don't pay fees reach retirement age, they should first look at whether their accumulated payment period has reached 15. If the accumulated payment period is less than 15, they can only return the personal payment part of their personal account to themselves at one time, which cannot guarantee their basic living needs after the evening.

After the payment has expired 15 years, those who have not reached the retirement age will no longer pay the pension. After they reach retirement age, they will calculate their pension according to the average social wage of the previous year when they stop paying fees, not according to the average social wage of the previous year when they retire.

Second, related knowledge

1. How many years should I pay the endowment insurance?

According to the provisions of the Social Insurance Law, 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 15 years at the statutory retirement age. In other words, the minimum payment period stipulated in the endowment insurance is 15 years. However, the longer the payment period, the larger the payment base, and the more pensions you receive after retirement.

2. How many years should medical insurance be paid?

Medical care is a cumulative payment of 25 years for men and 20 years for women, which is determined by the overall planning areas according to local conditions.

3, maternity insurance payment regulations

Employees who enjoy maternity insurance benefits should comply with the family planning regulations of the state, province and city, but the state has no unified regulations on the payment of maternity insurance benefits. There may be different differences in different regions.

4, unemployment insurance payment regulations

If you want to receive unemployment insurance, you must meet one of the conditions that your unit and I have participated in unemployment insurance according to the regulations and paid 1 year. Therefore, to enjoy unemployment insurance benefits, you must pay at least 1 year.

5, industrial injury insurance payment regulations

The current law of our country does not stipulate the payment time of work-related injury insurance. As long as an industrial accident occurs at work in compliance with the regulations, you can enjoy industrial injury treatment.

legal ground

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

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for 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.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; 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.