Is it cost-effective to supplement the old-age insurance?

Legal analysis: cost-effective, the way to make up the old-age insurance: 1. If your file is in a talent or employment agency, then you should negotiate with the filing department whether you can make up the insurance. 2. If your file is not in the filing institution but in the street, you should watch the following operations: 1) Go to the street to apply for an employment permit with your household registration book and one-inch recent photo. 2) Take the job card to the deposit or filing institution for recruitment, and then take the recruitment form to the street for filing. 3) Take files and money (more than 3,000 yuan per year) from the street to the filing institution that handles the recruitment form to go through the insurance formalities. Note: 1. In Beijing, if the files are left on the street all the time, the insurance in the custody stage can't be returned. You can only calculate your payment term after transferring the documents to the filing agency to pay the fees. 2. The actual situation varies from place to place, and local policies shall prevail. Please consult the local social security department for details.

Endowment insurance and medical insurance are two major types of insurance. Although social insurance is cumulative, if payment is interrupted, it will have a serious impact on individuals. Once the old-age insurance is interrupted, it will seriously affect the future pension collection. The longer the interruption, the greater the pension loss. If the length of service is not calculated during the interruption period, the salary for the length of service will be gone in the future. No personal account funds are entered during the interruption period, which will cause a slight decrease in personal account funds in the future, and there will be some losses when calculating pensions. When reaching the legal retirement age, the time of interruption in life will be accumulated, and the cumulative interruption will be 12 months, and the calculation of pension will be advanced by one year. If the lifelong contributions are accumulated, the pension will be calculated according to the average social wage of the previous year at the time of retirement, but if the lifelong accumulation is interrupted for 12 months, the calculation of the social wage of the previous year will be pushed forward.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask 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.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan. The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance. The state supports social insurance through preferential tax policies.