Is it possible to make back payments to Social Security now? Under what circumstances can I make up for the previous payment?

China's social pension insurance system has been established in the early 1990s, but for a long time the concept of public participation in the insurance is relatively weak, no matter the enterprise or the workers did not pay attention to pension insurance.

Some organizations, in order to reduce the cost of employment, have not enrolled workers in social pension insurance; some workers prefer not to have social security due to short-sightedness, in order not to reduce the actual income due to the contribution, and all these reasons have resulted in a large number of workers have not been enrolled in the law to pay contributions.

However, as the problem of social pension is getting more and more serious, the workers are beginning to pay more attention to their own rights and interests in pension insurance.

And pension insurance is a cumulative process, the more you pay the higher the pension can be, which makes the workers' vision not only stay in the maintenance of the current right to participate in the insurance, but also demanded to make retroactive contributions to the pension insurance, retrospective past social insurance relationships and years.

Earlier such behavior was allowed by the state, and in order to address the public's social security claims for retroactive contributions, there are policies in place around the country to make retroactive contributions.

For example, in a document issued by the Shanxi Provincial Department of Human Resources and Social Security in 2015, it was once clear that:

The former fixed workers of urban enterprises, urban labor contract workers other than the other employees, who participated in the work of the People's Republic of China before the implementation of the People's Republic of China **** and the State Labor Law, may from January 1995; those who joined the workforce after January 1995 may make supplementary contributions from the month in which they joined the workforce.

Individual entrepreneurs and flexibly employed persons who were engaged in individual work or flexible employment before July 1998 may make supplementary contributions from July 1998 onwards if they were engaged in individual work or flexible employment before July 1998; after July 1998, they shall make supplementary contributions from the month in which they were actually engaged in individual work or flexible employment. However, the number of years of retroactive contributions at one time shall not exceed 10 years.

It can be seen that the policy on retroactive contributions at that time was relatively loose, and many people made a one-time payment of social pension insurance premiums for a period of time in the past when they had not declared and paid the premiums in accordance with the regulations, so that their past participation in the past relationship could be recognized retroactively and they could enjoy the corresponding rights and benefits of the old age pension, so this is also referred to as the "retroactive recognition" of retroactive contributions. .

However, as the social security management system becomes more and more perfect, the state has begun to strictly control the social security contributions.

A large number of people take a lump-sum retroactive contribution, which is unfair to those who have long insisted on monthly contributions, but also affects the stability of the cash flow of the income of the Employees' Pension Insurance Fund, which is not conducive to the long-term development of the social security system.

For this reason, in 2016, the Ministry of Human Resources and Social Security issued the Circular on Further Strengthening the Management of the Revenue and Expenditure of the Basic Pension Insurance Fund for Enterprise Employees, which explicitly stipulates:

"The number of years of contributions shall not be increased for urban individual industrial and commercial enterprises and flexibly employed persons by means of ex post facto retroactive contributions."

Most provinces have issued corresponding regulations for implementation in accordance with the requirements of the national document. There are still some provinces and cities that have postponed the implementation of this requirement for some time because of special circumstances left over from history.

For example, as an old industrial city, Tianjin, because of the large number of flexible employment and most of the income is not stable, in order to smooth the implementation of the national policy, Tianjin gave a buffer period of flexible employment until 2020 when Tianjin issued the "Notice on Issues Relating to the Participation in Contributions of Flexibly Employed Personnel", which prohibits flexible employment personnel from making compensatory contributions to the period of interruption of the pension insurance premiums during the interruption period.

Of course, while retroactive retroactive contributions have been banned, there are still some situations in which social security retroactive contributions can be made.

The first is underpayment catch-up.

This refers to the settlement of social insurance arrears by organizations or individuals who have registered for social pension insurance.

For example, Li has worked for a certain organization for several years, but for a few months the organization did not pay social security contributions for Li because of certain problems, and when Li found out about this, he could ask the organization to pay the contributions for him.

The biggest difference between it and the retroactive payment is that the participant relationship of the arrears retroactive payment exists in the system, and there is no need to confirm it, you only need to pay the fee to enjoy the current rights and benefits, while the retroactive payment still needs to confirm the participant relationship.

The second type is historical retroactive contribution.

Historical retroactive contribution refers to a number of specific groups affected by historical problems, through special policy provisions, the one-time payment of pension insurance premiums handled within a certain period of time.

It generally occurs only in a specific social period, for some special groups, and is aimed at solving the remaining problems of the system reform. For example, in the early stage of the establishment of the basic pension insurance system will soon reach the retirement age but insufficient years of participation in the workers, collective enterprises laid off without re-employment of workers, institutions and institutions in the early stage of the reform of the pension insurance some of the staff in the staff, and so on.

Historical retroactive contribution policy usually has a strict scope and limitations of retroactive contribution, the scope of people who are not the target of the policy can not be processed retroactive contribution, beyond the prescribed time limit retroactive contribution policy is no longer implemented.

So what are the benefits of retroactive contributions to pension insurance for individuals?

China's post-retirement pensions are calculated according to a certain formula, following a basic principle of "More pay more, more get more, more pay more".

Replacement of pension insurance can increase the pension after retirement to a certain extent, to protect the standard of living of the workers after retirement, so in the case of financial ability, there is the opportunity to make up for it or try to make up for it.

Particularly for those who have a shorter contribution period, it is important not to miss the opportunity to make up for it.

Because one of the most basic conditions for retirement in China is that pension insurance contributions should be full of 15 years, if you reach the retirement age, the number of years of contributions is less than 15 years, you can not apply for retirement to receive a pension, you can only continue to pay until you meet the conditions.