15 what should I do if the employee's pension is not enough?

Legal analysis: Pay back the money, 15 pay the money.

If the pension is less than 15, the solution is as follows:

1, deferred retirement:

If the insured needs 1 to 5 years to pay the full pension of 15, he can postpone his retirement and continue to work to pay social security until he pays the full pension of 15. It should be noted that this method is not applicable if the insured needs about 10 years to pay the full pension of 15 years.

2. Transforming social security into old-age insurance for residents;

Insured persons can convert their social security into residents' pension insurance, so that they can pay 15 of the pension insurance at one time. However, there is a drawback in this way, that is, the treatment of residents' pension insurance will be lower than that of employees' social security.

3, the termination of the basic old-age insurance for employees, a one-time payment:

The insured can also apply to the Social Security Bureau for terminating the basic old-age insurance relationship for employees and applying for a one-time withdrawal of personal account storage. But in this way, you will not be able to enjoy old-age insurance in the future.

Legal basis: Article 25 of the Accounting System for Social Insurance Funds states that the basic endowment insurance fund expenditures of enterprise employees include pension insurance benefits, transfer expenditures, subsidies to subordinates, superior expenditures and other expenditures. Expenditure on pension insurance benefits includes basic pension, Medicaid, funeral subsidy, pension and disability allowance. Basic pensions include basic pensions, personal account pensions, transitional pensions, and retirement fees, retirement fees and subsidies for retired and resigned personnel before the implementation of the Decision of the State Council on Establishing a Unified Old-age Insurance System for Enterprise Employees (Guo Fa [1997] No.26). Personal account pension includes monthly personal account pension expenditure and one-time personal account expenditure. One-time expenditure of personal account refers to the expenditure of the amount of funds returned to personal account by individuals who participate in the basic old-age insurance for enterprise employees due to death, going abroad on business, etc. Medicaid refers to the payment of medical expenses for retired and resigned personnel who have been included in the expenditure scope of the basic old-age insurance fund for enterprise employees according to regulations. Funeral grants and pensions refer to the funeral grants for the insured who have been included in the expenditure scope of the basic old-age insurance fund for enterprise employees, and the pension expenses for their survivors who died due to illness or non-work-related injuries. Disability allowance refers to the basic living expenses paid to the insured who has completely lost the ability to work due to illness or non-work-related disability and has not reached the statutory retirement age according to the standards set by the state. Deduct the repeated basic old-age insurance benefits for urban and rural residents from the basic old-age insurance fund for enterprise employees and pay them from other expenses.