I am 48 years old, I have not been paying social security, now want to buy what to do

If you calculate according to the male retirement age of 60 years old, then you can only pay 12 years of social security, is not up to the old-age retirement standard of 15 years. If you calculate according to the female retirement age of 55 years old, then you can only pay 7 years of time, and even more can not reach the standard of old-age retirement. So if you want to pay social security at the age of 48, there are two ways to remedy the situation: one is to buy urban and rural residents pension insurance, the other is to buy flexible employment personnel employee insurance, the ultimate goal is to make up for the unpaid years.

One, the purchase of urban and rural residents should be done

Urban and rural residents can buy pension insurance before the age of 60, but enjoy the treatment is very low. According to the local social security regulations, the amount of payment will vary from place to place, **** the same thing is that all need to pay a full 15 years before you can enjoy the pension insurance treatment. If you are 48 years old after the normal payment to the retirement is not full of 15 years standard, urban and rural residents pension insurance can be a one-time payment, the state in this regard does not explicitly prohibit the payment, that is to say, the later can be a one-time payment of full 15 years can reach the standard of the old-age pension.

Second, the purchase of flexible employment staff insurance should be done

If the purchase of personal flexible employment staff pension insurance, 48 years old to pay social security, need to reach 63 years old before you can retire, in fact, for the male is delayed for three years, for the female is delayed for eight years. According to the relevant provisions, for the flexible employment of the pension insurance, if the retirement age has reached but the pension years are not enough, you can delay the retirement of 5 years, but still years are not enough to make a one-time contribution. The implementation of the pension insurance policy is different from place to place, with a certain degree of flexibility. For example, in Chongqing, flexible employment personnel can only make a one-time supplemental contribution if they have a personal business license, while other regions also have a man over 45 years old will not be allowed to buy social security provisions.

The two programs provided by the editor, just generally can have a role in the method. But policies vary from place to place, so if you really want to choose to buy social security at the age of 48, you need to go to the local social security center in time to ask about the relevant policy.