Guangzhou social security to the retirement age did not pay enough how to do

Individuals should first understand the social security policies and regulations, and then choose to make up the social security fees, apply for a delayed retirement or consider other ways of retirement according to their own situation.

I. Understanding Social Security Policies and Regulations

Individuals should first understand the social security policies and regulations in Guangzhou, especially the regulations on the retirement age, the number of years of contribution, and the amount of contribution. This will help the individual to clarify his/her rights and responsibilities as well as the corresponding measures to be taken.

Two, make up the social security costs

For the case of insufficient years of contributions, individuals can choose to make up the social security costs. The amount and method of making up the contributions should be determined according to the specific regulations of Guangzhou area. By making supplementary contributions, individuals can make up for the lack of years of contributions and thus improve their pension benefits.

Third, apply for delayed retirement

If an individual wishes to continue to work and continue to pay social security contributions, he or she can apply for delayed retirement to the relevant authorities. Delayed retirement can give individuals more time to accumulate years of contributions, thus improving their pension benefits. However, it should be noted that delayed retirement should comply with the relevant regulations and be approved by the relevant authorities.

Fourth, consider other ways of retirement

In addition to social security pensions, individuals can also consider other ways of retirement, such as buying commercial pension insurance and accumulating personal savings. These ways can be used as a supplement to the social security pension, to improve the level of personal retirement protection.

In summary:

When the Guangzhou social security reaches the retirement age but the contribution period is not enough, individuals should first understand the social security policies and regulations, and then choose to make up for the social security fees, apply for delayed retirement or consider other ways of pension according to their own situation. These measures can help individuals improve their pension benefits and ensure their quality of life after retirement.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 16 stipulates:

Individuals who have participated in basic old-age pension insurance and who have accumulated fifteen years of contributions by the time they have reached the legal retirement age shall receive a basic pension on a monthly basis. Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the legal retirement age may contribute until they reach the full fifteen years, and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or the urban residents' social old-age insurance, and enjoy the corresponding old-age insurance treatment in accordance with the provisions of the State Council.