How much does it cost to buy 15 old-age insurance at one time without a job? The new rules in 2022 are handled like this!

Pension is the main source of livelihood for many retired people, and the state is also very concerned about the improvement of the pension system. In order to better protect the life of every retiree, the state attaches great importance to the operation of pension. As many friends know, the old-age insurance needs to be paid cumulatively 15 years, and you can only retire and receive a pension after reaching the legal retirement age.

According to the different regulations of different provinces and cities, you need to pay social security 15 years or more to enjoy various benefits. In other words, 15 is the "minimum threshold" for social security.

Speaking of this, many friends have doubts. If you don't hand in 15 for various reasons, will all the previous ones be handed in for nothing? What remedial measures are there? How much does it cost to buy 15 old-age insurance at one time without a job?

Under the new regulations, all of them will be handled in this way from 2022!

1, repaid annually until 15.

Although there are restrictions on one-time payment, employees can still choose to pay by year, that is to say, the insured can choose to pay by year until they reach retirement age after paying 15, and then begin to receive pensions.

This method is suitable for short years. If you owe too many years, too close to retirement age, or have reached retirement age, choose this method to pay to 15 years on a monthly basis, and the years of receiving pensions will be shortened accordingly.

2, a one-time supplement, but only in three cases.

The new regulations clearly stipulate that all regions shall not violate China's regulations and adopt a one-time payment method to include those who exceed the statutory retirement age or do not meet the requirements into the basic old-age insurance for employees. In other words, the new regulations do not completely prohibit the one-time payment of social security, but only limit those who can pay social security at one time.

According to the current regulations, there are only three situations in which the pension insurance period can be filled at one time:

① Retirees with labor relations in collective enterprises: those who reached the legal retirement age 201years ago, had labor relations with collective enterprises and did not participate in employee pension insurance;

② Older retirees: Older retirees who have participated in social security in the local area before 2010/231,but whose payment period is less than 15, are required to be over 69 years old for men and over 59 years old for women;

③ Retirees from state-owned enterprises and institutions: employees who worked in state-owned enterprises and institutions and retired 20 1 1 years ago.

3. Give up payment and withdraw money from personal account.

Some people don't want to pay social security after breaking off social security, so they can only wait until the retirement age stipulated by law (60 for men, 55 for women cadres and 50 for women workers), or die before retirement age and settle abroad. And then take out the endowment insurance they paid at one time, that is, the money paid by the company belongs to the state.

So, without a job, how much does it cost to buy 15 pension insurance at one time?

1, endowment insurance for urban workers

The unit will take the salary level of employees as the payment base, the lower limit is not less than 60% of the local full-caliber average salary, and the upper limit is not higher than 300% of the local full-caliber average salary.

Employee social security contributions = the average monthly salary of individual employees in the previous year is the sum of payment bases and the payment ratio of various insurances.

Let's take Xiamen, Fujian Province as an example:

① Monthly payment of employee social security: 3234x20%/ month =646.8 yuan/month.

② Annual employee social security payment: 3234x20%/ month x65438+February =776 1.6 yuan/year.

The annual endowment insurance premium is 776 1.6 yuan, so 15 is 1 16424 yuan.

2. Endowment insurance for urban and rural residents

Residents' pension insurance payment ranges from 100 yuan to 2000 yuan * * 12 every year, but the current minimum payment standard is changed to 200 yuan/year.

① According to the annual 200 yuan payment: 15 social security payment of 3,000 yuan.

② Pay 2,000 yuan per year: 15 social security payment is 30,000 yuan.

Compared with the old-age insurance for urban and rural residents, 1 16424 yuan -3000 yuan = 1 13424 yuan, and the difference between them in 15 years is about11.

In any case, it is not recommended to pay in one lump sum, because the contribution of endowment insurance for urban workers or urban and rural residents is increasing year by year. Paying endowment insurance early can cost less, and the later it needs to be paid more.

At present, the elderly over 60 years old in our country no longer provide residents' pensions for free, that is to say, providing old-age insurance, supporting children and using savings to provide for the elderly in the future. So everyone should pay social security on time, every month or every year before reaching retirement age. If economic conditions permit, you can choose a higher payment standard to pay, and then you can get a higher pension after retirement!

The latest payment rules of endowment insurance are introduced here. If you want to know more about insurance, you can search for "Baibaojun" on Baidu. There is a professional insurance consultant team here, which can not only answer all kinds of insurance questions for you, but also tailor your own insurance products!