Can I still pay social security over 45?

Social security can still be paid at the age of 45, and social security payment must be implemented in accordance with the relevant policies of the social security department where the unit or individual is located. Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

You can buy social security over 45, as long as you can buy it before retirement. How much money to pay a month is related to the average wage of the local society. Social security can accumulate payment years, that is, intermittent payment is allowed. The minimum payment period of endowment insurance is 180 months, that is, 15 years. You can give more, and then you can get more. You can apply for a pension when you reach retirement age.

The legal retirement age of enterprise employees in China is: male employees are 60 years old; Female cadres engaged in management and scientific research are 55 years old and female employees are 50 years old. Basic pension consists of basic pension and personal account pension. If the employee reaches the legal retirement age and the individual contribution has reached 15 years, the monthly standard of basic pension is 20% of the average monthly salary of employees in the province (autonomous region or municipality directly under the Central Government) or city (prefecture) in the previous year.

Personal account pension is paid by personal account fund, and the monthly payment standard is divided by 120 according to the amount stored in my account. After the individual account fund is used up, it will be paid by the social pooling fund.

The basic medical insurance premium is paid by both the employer and the employee, of which, the employer pays 8% and the individual pays 2%. Part of the medical insurance premium paid by the employer is used to establish a social pooling fund for basic medical insurance, which is mainly used to pay for hospitalization, outpatient service for special chronic diseases, rescue and first aid expenses of insured employees.

Medical expenses that meet the requirements above the minimum threshold of basic medical insurance and below the maximum payment limit, among which individuals should also bear a certain proportion of expenses according to regulations.

Personal account funds are mainly used to pay the expenses of the insured for medical treatment and drug purchase in designated medical institutions and retail pharmacies. The part of the personal account that is exhausted or insufficient is paid by the insured in cash, and the personal account can be carried forward and inherited according to law. Insured employees are hospitalized due to illness, first pay the hospitalization deductible line, and then enter the overall fund and individual employee payment period.

Legal basis:

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

Article 58

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.