47 years old, I haven't paid social security yet. Can I pay it now? What should I pay attention to?

You can start handing it in, but don't make it up! ?

First, employee pension insurance does not allow individuals to pay.

According to the regulations, employees' pension insurance is not allowed to be paid by individuals.

The situation I want to pay back is limited to the situation that I have a labor relationship with my work unit, but the work unit has not paid social security for you for various reasons.

The work unit comes forward and provides written materials such as financial vouchers and labor contracts to social security.

In this case, the unit bears the unit part, the individual bears the personal part, and the late payment fee is all borne by the unit.

Second, you can start paying endowment insurance.

1. Endowment insurance for urban workers

If you have a work unit, you can pay the endowment insurance normally.

Individuals only need to bear the personal part, more than 300 a month.

Female employees can't continue to pay fees at the age of 50, and they can only pay fees for three years.

After three years, individuals pay flexible employment social security, and the cost is higher. Take the minimum payment base of 20 19 Qingdao as an example, it needs at least 980.60 yuan per month.

After the accumulated payment 15 years, you can apply for retirement and receive a pension.

In your case, you don't start paying fees until you are 47 years old. It's a little late to wait until you are 62 years old in 15.

Three, urban and rural residents pension insurance can be paid.

If you have not paid social security before the age of 47, it is recommended to pay endowment insurance for urban and rural residents.

Endowment insurance for urban and rural residents, both men and women retire at the age of 60.

The advantage is that no matter which payment grade you choose, as long as the money you personally pay and the money subsidized by the government all enter your personal account, you will never lose money!

If you are over 60 years old and the payment period is less than 15, you can pay to 15 in one lump sum, retire and receive a pension.

In this case, you can apply for retirement at the age of 60 and make up for two years.

Fourth, compare the two and give suggestions:

It's a little late to start paying endowment insurance at the age of 47!

Unless the family's economic conditions are particularly good, you can personally undertake flexible employment social security until you are 62 years old.

Otherwise, I won't have a job after I am 50 years old, and I will pay at least 1000 yuan a month. The social security payment burden is too heavy to meet the minimum payment requirement of 15!