Can retirees still pay social security?

You can continue to pay social security when you reach retirement age. If a worker who reaches retirement age does not qualify for old-age insurance or receive a pension, and then has a labor relationship with the employer, then the employer can continue to pay social security for the worker. However, the actual situation is that after the laborer reaches the legal retirement age, the employer can't pay social security for the laborer, which can be paid in theory, but it can't be done in practice.

Pensions generally include personal account pensions and basic pensions;

According to the relevant provisions of the Social Insurance Law, the basic pension consists of two parts: the overall pension and the personal account pension. The basic pension is determined according to the accumulated years of individual contributions, payment wages, the average salary of local employees, the amount of personal accounts, the average life expectancy of urban population and other factors.

The specific calculation method is as follows:

1, personal account pension

Personal account pension is equal to the amount stored in personal account divided by the number of months. Generally speaking, the number of months is mainly determined according to the retirement age and the average life expectancy of the population at that time, that is, the number of months is equal to the average life expectancy of the population MINUS the retirement age multiplied by12;

2. Basic pension

The basic pension is equal to the sum of the average monthly salary of employees in the province in the previous year plus my indexed monthly payment salary divided by 2 times the payment period multiplied by 1%.

First, how many years should I pay for retirement medical insurance?

Retirement medical insurance will be paid for fifteen years, and social security will not be paid after fifteen years. If there is a unit, even if the payment has been paid for fifteen years, but the employees have not retired, the enterprise still needs to continue to pay until retirement. Individuals who pay social security can stop paying or continue to pay. According to local policies, it is beneficial to continue to pay fees. Endowment insurance follows the principle of paying more and getting more. The higher the payment base, the longer the service period, and the more pensions you receive after retirement.

Second, do retirees still need to pay social insurance?

Retirees do not need to pay social insurance, but they can enjoy the social security benefits of the prescribed standards. According to Article 16 of the Social Insurance Law, individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid a total of fifteen years. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council. If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

Third, the collection method of social insurance premiums

1。 Proportional insurance premium system

This method is based on the wage income of the insured, and a certain proportion is stipulated to collect insurance premiums. Adopting the proportional system, the initial main purpose of social insurance is to compensate the income lost by the insured in risk accidents in order to maintain their minimum living. Therefore, we should refer to his usual income, on the one hand, as a standard to measure payment, on the other hand, as the basis for premium calculation.

The biggest drawback of the work-based proportional insurance system is that the burden of social insurance is directly related to wages. Whether employers and employees bear social insurance premiums or one of them bears social insurance premiums, the burden of social insurance is manifested in the increase of labor costs, which will lead to capital crowding out labor, which will lead to an increase in unemployment.

2。 Equal insurance premium system

That is, regardless of the income of the insured or his employer, the insurance premium of the same amount should be charged. The advantages of this system are simple calculation and easy to be universally realized. Moreover, countries that collect insurance premiums in this way generally adopt an equal share system when paying fees, which is of equal significance. But its defect is that low-income people and high-income people pay the same premium, which is obviously unfair in terms of affordability.

The specific handling of social security needs to be handled in strict accordance with the procedures stipulated in the above laws. Different people have different types of social security and enjoy different social security benefits.

Under specific circumstances, you can consult the social security department when you retire, and you can enjoy pension and other benefits after going through the prescribed procedures.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Paragraph 2 of Article 44 of People's Republic of China (PRC) Labor Contract Law

The labor contract is terminated when the laborer begins to enjoy the basic old-age insurance benefits according to law.

Article 16 of the Social Insurance Law

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.