What should I do if I don't have enough years to pay old-age insurance in Beijing?

If you are over 45, please create your own social security account.

Until you reach the legal retirement age of 60, you only need to pay the fee of 15, so that we can retire normally instead of starting from the retirement age. However, if you are over 45 years old, for example, 45 years after the establishment of the social security account, you have not yet established the social security account. In this case, you may not be able to retire at the normal legal retirement age, especially for women. As we all know, the legal retirement age of women is 50 and 55, so if women are 45 before establishing social security accounts.

Then it is obvious that she must be about 60 years old. Dealing with retirement, even for women, the protection period will definitely be late. One thing is that the social security law clearly stipulates that after five years of delayed retirement, if you don't have the cumulative payment period of 15, then the cumulative payment period of 15 is allowed this time. In addition, women, even if they are 55 years old, are also the normal legal retirement age, so they are delayed by five years, which is 60 years old. Therefore, 60 years old is a year to pay the extra fee of 15 at one time, so I want to say that female friends can only deal with it when they are 63 years old.

Because retirement, for example, can cope with retirement at the age of 60, an inherent problem is to participate in donation insurance. It is necessary to ensure that the legal retirement age is 15 years earlier than the establishment of the donation insurance account, and to ensure that the normal legal retirement age is used to deal with the retirement problem. Ordinary men only create online social security accounts at the age of 45, and women even need 35 years to create social security accounts. In this case, the retirement problem can be handled according to the normal legal retirement age.

On the premise that the donated insurance has retirement conditions, for example, the payment period of medical insurance is insufficient, because medical insurance is allowed, before all the payment periods are completed, pensioners will immediately trade and enjoy the retirement benefits of medical insurance.