Can the old-age insurance be repaid in one lump sum 15 years? How to postpone payment? New rules of rural endowment insurance in 2022

In 2022, China gradually stepped into an aging society. According to statistics, at present, the population aged 65 and above accounts for about 14% of the total population in China, and more and more people reach retirement age, so that many young people begin to make plans for providing for the elderly early, which shows the great pressure of providing for the elderly.

In order to alleviate this pressure, China's old-age insurance policy has been adjusted again and again, and various benefits and subsidies have emerged one after another. This is not to mention that after July, several provinces have successively announced plans to raise pensions.

Although the pension is rising, the contribution base of the corresponding old-age insurance is also rising, so that many people with financial difficulties have not paid 15 years at retirement age, so can they pay in one lump sum? How to postpone payment? The following small series takes you to learn more about the new regulations of rural endowment insurance in 2022.

Can the old-age insurance be repaid in one lump sum 15 years?

According to the relevant provisions of the Social Insurance Law, rural endowment insurance, like employee endowment insurance, can be paid in one lump sum 15 years. If the employer fails to pay on time, it can also apply for a one-time payment as a legal obligation.

As for other cases that are not stipulated, according to the current policy, it is impossible to pay in one lump sum, and only the fees can be paid year by year. For example, if you have never been insured, it is obviously impossible to pay in one lump sum and receive a pension after retirement age.

Please refer to local policies and regulations for details.

Of course, although rural endowment insurance can be repaid in one lump sum 15 years, there are certain conditions.

For example:

The insurance premium paid before June 30th of 20 1 and 20 18 (inclusive) may be paid at most once for 15 years if it is still less than 15 years after five years of extension.

2. Reaching age: 65 for men and 60 for women.

3. If the male is over 45 years old and under 60 years old, and the female is over 40 years old and under 55 years old, the one-time payment period shall not exceed 10 year.

4. Pay according to the payment base at the time of payment, generally at the rate of 20%.

5. To apply for overdue payment, it is necessary to provide a letter of commitment and an application form for overdue payment, as well as other relevant supporting materials (such as ID card, insurance certificate, labor relations certificate, etc.). ), and submit a supplementary application to the social security agency.

How to postpone the payment of endowment insurance? Can I postpone payment?

In some cases, 15 cannot be paid at one time, but the payment period is really less than 15 after reaching retirement age, so you can apply for deferred payment.

Some areas, such as Guangdong, are not allowed to pay back after the payment is interrupted. Payment needs to be postponed after the age of 60, and it is not until the age of 65 that you can choose whether to repay in one lump sum.

In addition, Tianjin also has relevant regulations. Household registration personnel in this Municipality may submit the Confirmation Form of Payment Extension and other relevant supporting materials, and apply to the administrative department of human resources and social security for payment extension. Even if the basic old-age insurance relationship is not in this city, you can also apply for transfer to this city and enjoy the same treatment as deferred payment.

In addition to extending the payment, the epidemic has also had a great impact in the past two years. In order to stabilize the employment development, you can also apply for deferred payment this year.

According to the relevant information introduced at the the State Council policy meeting not long ago, if it is difficult to pay the old-age insurance premium in 2022, it can be postponed until the end of 2023, and the late payment fee will be exempted during the deferred payment period, and the payment period will be calculated cumulatively.

When will the pension be paid in 2022?

Pensions are generally paid monthly, usually on Saturday of the second week of each month, and will be directly credited to the social security card account.

However, since the beginning of this year, many regions in China have clearly announced plans to raise pensions. According to the regulations, the pension raised in 2022 will be reissued before the end of July.

The following are the specific adjustments in some provinces and cities:

1, Henan

(1) Line adjustment: 40 yuan.

(2) The payment period is linked: every year, each person will increase by 1. 3 yuan per month.

(3) Basic pension linkage: adjusted according to11% of my basic pension in 2002.

(4) Old age tilt: 65-70 years old increase 20 yuan every month; 70-75 years old, increase 25 yuan every month; 75-80 years old increase 30 yuan every month.

2. Guangxi

(1) Line adjustment: 33 yuan.

(2) The payment period is linked: each person will increase by 1 yuan per month for every full year.

(3) Basic pension hook: pension hook 1.8%.

(4) Old age tilt: for retirees over 70 years old, the 2 yuan will be increased every month; For those over 70 years old, 2 yuan will be increased every month for every 1 year old.

3. Hunan

(1) Line adjustment: 35 yuan.

(2) The payment period is linked: every year, each person will increase by 1. 2 yuan per month.

(3) Basic pension hook: pension hook 1.4%.

(4) Old age inclination: for those who have reached 70 years of age and are under 80 years of age before 202 1, each person will increase by 15 yuan per month; Every person who has reached the age of 80 will increase 25 yuan every month.

Is there a conflict between rural endowment insurance and employee endowment insurance?

There is no conflict between the two. Insured people can participate in rural endowment insurance and employee endowment insurance at the same time, but they can't enjoy treatment at the same time, so they can only choose one.

Because the pension of employee pension insurance is higher than that of rural pension insurance, the conditional suggestion is to work, pay employee pension insurance, and then retire.

In addition, we should also pay attention to the following three points:

1. Those who have received pensions for urban and rural residents can no longer receive employee pensions.

2 employee pension insurance and urban and rural residents pension insurance can be transferred to each other.

Generally, if the payment period of employee pension insurance is required to be 15 years, you can apply for changing from urban and rural residents' pension insurance to employee pension insurance; /kloc-below 0/5, you can apply for transferring from employee pension insurance to urban and rural residents' pension insurance.

3, urban and rural workers, the transfer period is not cumulative; Workers who move to cities and rural areas can accumulate years.

But when the two are transferred to each other, the amount of personal account storage can be completely transferred and accumulated.

Generally speaking, the old-age insurance can be repaid for 15 years at a time, but there are corresponding preconditions, and it doesn't matter if it is not repaid. You can also apply for deferred payment, even if you can't pay on time, you can postpone payment.

Of course, for some people with special financial difficulties, the state also has corresponding subsidies and relief policies. You can go to the local consultation for details.

In addition, since July this year, Henan, Guangxi, Hunan and other 15 provinces have successively announced plans to raise pensions, and the pensions after raising the standards will also be paid before the end of July.

It can be seen that the current national pension welfare policy is getting better and better. I suggest you don't return it. It's better to be insured on time.