Can I pay in one lump sum before I reach 15 retirement age?

One-time payment policy has been explicitly prohibited by the state 20 16! Nowadays, young insured people, especially those born in 1980s and 1990s, want to pay the old-age insurance in one lump sum when they retire. The possibility is basically zero. Of course, the issue of social security is absolute, because the reality is very complicated and there are special circumstances:

If it is because of resignation, job hopping, unemployment and other reasons. Old-age insurance will not be returned. However, if the employee's old-age insurance is broken due to the wrong payment or omission of the unit, which damages the rights and interests of citizens, it can be negotiated with the unit and the unit can apply for a supplementary payment. Our social security department will accept it as appropriate.

What should I do if I haven't paid social security 15 at retirement age?

China's new social security regulations require that you must pay 15 years to receive a pension. If 15 years has not been paid, there are several ways to deal with it:

(1) Delayed retirement will continue to be paid.

The legal retirement age in China is 60 for men and 55 or 50 for women. Those who have not paid the employee pension insurance 15 years before retirement may apply for delayed retirement.

Generally, you can apply for a five-year delayed retirement, that is, you can continue to pay social security while working. If the accumulated social security is still less than 15 years after 5 years, the remaining years can usually be paid in one lump sum.

In this way, on the one hand, you can get paid on the job, and on the other hand, the pressure to pay back the money will be less.

(2) If the social security payment is not more than 6 months, you can apply to the Social Security Bureau for renewal.

This situation is often overlooked. In fact, whether an individual pays social security or not, the annual social security fee of more than 10,000 yuan/kloc-0 is a burden for ordinary families. According to the current medical insurance regulations, the payment is generally not more than 6 months. After more than 6 months, you can apply for deferred payment of social security. Payment of social security during the extended period shall not be deemed as interruption of social security payment. As long as you avoid paying social security, the payment of old-age insurance will not be less than 15 years by retirement age.

(3) New social security payment regulations

According to the social security payment regulations, although these three types of people can pay social security in one lump sum, it is also difficult. Starting from 20 19, you can't pay social security on 15 without paying social security before the age of 45. If you have not paid social security after the age of 45, the following three types of people can pay social security in one lump sum:

1. educated youth in the countryside 196 1 to 1982.

2. Local hukou, retirees who have participated in local social security.

3.20 1 1 retirees from state-owned enterprises and institutions years ago.

(4) Transforming into endowment insurance for urban and rural residents.

Urban and rural residents can only pay their own medical insurance and endowment insurance. For example, unemployment insurance, industrial injury insurance, maternity insurance, housing provident fund, they can not pay themselves. In addition, the pension of retired urban and rural residents will be much lower than that of urban workers, because their own contribution level will be relatively low. Therefore, this is not recommended.

(5) choose to stop paying or surrender.

If we give up social security, we need to make it clear that the balance of personal account is not necessarily equal to all individual contributions. If the social security paid before is paid by the work unit, then the balance of the personal account is equal to the amount of endowment insurance withheld by the individual's monthly salary plus the interest of these years, and the endowment insurance paid by the unit has entered the overall account and cannot be returned.

For flexible employees, the balance of personal account is equal to 40% of the total individual contributions. That is to say, if the total payment in 10 is100000, then only 40000 yuan can be returned. In addition, once the social security is broken, the medical insurance will be broken, which has a great impact. Think about the tens of thousands and hundreds of thousands of reimbursement for medical treatment now, which can basically reimburse about 50%. Moreover, there are many places where serious illness is reimbursed for the second time, and these benefits are gone. Don't surrender unless you have to.

If there is no social security, you can buy commercial insurance, which will be more expensive. When buying, you should choose the one without social security, otherwise it will affect the reimbursement ratio. At the same time, medical insurance has been paid for 25 years, and you can continue to use it for a lifetime without paying it after retirement (15 in some areas, such as Shanghai). So don't stop paying social security unless you have to.

Legal basis:

Ministry of Human Resources and Social Security and the Ministry of Finance have jointly issued the Notice on Further Strengthening the Income and Expenditure Management of the Basic Endowment Insurance Fund for Enterprise Employees, which clearly stipulates: standardize the insurance payment policy. All localities shall not, in violation of the provisions of the state, adopt a one-time payment method to include those who exceed the statutory retirement age and do not meet the requirements in the scope of basic old-age insurance for employees, and all localities shall immediately stop the practice of expanding the scope of one-time payment for applicable people. Individual industrial and commercial households and flexible employees in cities and towns may not increase the payment period by paying back afterwards. Those who pay endowment insurance premiums in accordance with the provisions of the state shall pay late fees in accordance with the provisions of the Social Insurance Law.