Retiree social insurance need to continue to pay?

Modern society, in the working stage, people are required to pay social insurance. After retirement, generally speaking, is not required to pay social insurance, according to the provisions of the pension insurance benefits. However, if you do not meet the minimum contribution period after retirement, you need to continue to pay.

A, retirees need to continue to pay social insurance?

People who have reached the legal retirement age generally do not need to continue to pay social insurance, after retirement, pensions can be normal to receive, maternity, work injury, unemployment insurance is obviously no need to pay for medical insurance, if after retirement, not meet the minimum 15 years of contributions, then the retiree is required to make up for the contributions until the minimum number of years to meet the minimum contribution.

Second, after the retirement of health insurance contributions

As the health insurance needs to pay 25 years, other insurance at least 15 years, so there will be contradictions. There will be this situation: a woman 30 years of age to pay social security, until the age of 50 years of retirement, the payment of health insurance is less than 25 years. Then, if you retire, the health insurance payment does not meet the 25-year payment period, so you need to retire in accordance with the contribution rate to continue to pay health insurance, until you meet the requirements of the payment period.

The way to deal with the medical insurance is not full of years:

There are two main ways to deal with the retirement of the medical insurance does not meet the number of years of payment.

1. Employees make a one-time contribution to the minimum number of years of medical insurance.

Since the policies of different regions are not uniform, the treatment of one-time replenishment of the remaining years is different. Some places in the old age in line with the premise of retirement regulations. It is allowed to make up a one-time payment of health insurance to enjoy the retirement benefits. There are also some areas do not allow a one-time make-up, but can continue to contribute. For example, in Beijing, local households are allowed to make a one-time contribution. And foreigners can only make a one-time contribution if they have paid contributions for 10 years in Beijing. In addition, the one-time contribution is based on the year of retirement, and even in the future, the annual increment of 10% of the standard contribution. So relatively speaking, the cost of a one-time contribution is much higher.

2. Employees continue to make monthly contributions

Like before they retired, they pay their monthly medical insurance premiums on time. Until you meet the minimum number of years of payment, you can enjoy lifelong medical insurance. If the financial pressure of a one-time retroactive payment is greater, you can choose to make up the monthly payment. One bad thing about this kind of retroactive payment is that it is easy to forget. After all, it used to be a unified unit contribution. However, if there is a break in payment, there is a three-month buffer period. During the buffer period, you can still continue to make retroactive contributions. The payment will start from the month of the break, and is still considered continuous. If the buffer period is exceeded, it will affect the continuity of health insurance payment and the number of years of payment will be recalculated. Because the situation of making up contributions may be different in different regions. So it is better to consult the local social security bureau. And the amount of contribution may be different for different contribution methods. So it's best to decide based on your own financial situation.

In summary, the retiree has terminated the labor relationship, generally do not need to continue to pay social security, only medical insurance has the possibility of continuing to pay, not full of the minimum number of years of contributions, make up the payment, you do not need to pay.