How many years does it take for individuals to pay social security?

Hello, as long as the accumulated payment reaches 15 years and reaches the legal retirement age, you can receive the basic pension on a monthly basis. Individuals who have participated in the basic old-age insurance, if the accumulated payment is less than 15 years, can pay to 15 years, receive the basic old-age insurance on a monthly basis, or transfer to the new rural insurance or urban residence insurance.

I. Payment of individual endowment insurance

1. Standards for enterprises and individuals to pay endowment insurance premiums: based on their average salary in the previous year, enterprises pay 20% and individuals pay 8%.

2. Payment base: (Actually, it is the average monthly salary) If the average monthly salary of the insured is lower than the minimum wage standard of employees in this Municipality in the previous year, the basic old-age insurance premium shall be paid according to the minimum wage standard of employees in this Municipality in the previous year.

3. If the average monthly salary of the insured is higher than 300% of the average monthly salary of the employees in this Municipality last year, the basic old-age insurance premium will not be paid, nor will it be used as the base for calculating the basic old-age pension.

4. If the insured cannot determine the average monthly salary of the previous year, the basic old-age insurance premium shall be paid according to the average monthly salary of the employees in this Municipality in the previous year. (unemployed new recruits and re-employed personnel shall pay the old-age insurance premium according to the prescribed proportion with their first month's salary in the enterprise as the salary base of the year; The salary base of the second year is determined by the average monthly salary of the actual salary of the previous year)

Second, the conditions for receiving individual endowment insurance

1, retirees who have reached the retirement age stipulated by the state

2, engaged in underground, high altitude, high temperature, particularly heavy manual labor or other harmful operations, men over 55 years of age, women over 45 years of age; (

3. The male is over 50 years old and the female is over 45 years old, which is confirmed by the labor appraisal committee of the city, district and county as completely incapacitated.

4. For those who took part in the work before the implementation of the Regulations, the payment period (including deemed payment period) shall be 10 years; After the implementation of the Regulations, the payment period (including deemed payment period) will be 15 years.

Third, local policies.

1. According to the regulations of Beijing Municipal People's Government, if the payment period has accumulated to 15 years, the basic pension will be received monthly after retirement.

2. If the individual payment period is less than 15 years (except for agricultural workers covering one area), they will not enjoy basic pension benefits on a monthly basis after retirement, and the amount stored in their personal accounts will be paid to them in one lump sum, and at the same time, they will be given one-time pension compensation.

3. Basic pension = basic pension (20% of the average monthly salary of employees in this city last year)+personal account pension (1120 of the amount stored in my account).

legal ground

Article 10 of the Social Insurance Law, employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.