Difference between interrupted social security and 15 years of continuous contributions

There is no difference. Pension insurance continuous payment of 15 years means that there is no interruption in the 15 years, has been paying, cumulative payment means that there is an interruption, but the last contribution years add up to 15 years; cumulative calculation of the contribution period of at least fifteen years, can only be retired to receive a monthly pension insurance benefits. If there is an interruption in contributions resulting in a cumulative contribution period of less than fifteen years, you can only receive a lump-sum pension.

The accumulation of social security contributions can be interrupted and transferred without affecting the number of years of previous personal account contributions. In short, the total number of years of social security to reach 15 years will be fine. Individuals who participate in basic pension insurance and have accumulated fifteen years of contributions by the time they reach the legal retirement age will receive a basic pension on a monthly basis. The state establishes social insurance systems such as basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and other social insurance systems to safeguard the rights of citizens to receive material assistance from the state and society in accordance with the law in the event of old age, illness, industrial injury, unemployment, maternity and other circumstances.

The law requires that the number of years of contributions be "cumulative" and does not emphasize "consecutive", so social security contributions can be interrupted in the middle, which has no effect on the calculation of cumulative contributions. Pension insurance benefits are approved on the basis of continuous contribution time, there is an interruption in contributions, the interruption should be deducted, from the time of joining the workforce or the time of the first payment of contributions, according to the cumulative contribution period deduced from the time of the termination of the contribution period.

Legal basis

Article 15 of the Social Insurance Law of the People's Republic of China (PRC) states that the basic pension consists of the integrated pension and the individual account pension. The basic pension is determined on the basis of the individual's accumulated years of contribution, the contribution wage, the average wage of local workers, the amount of the individual account, and the average life expectancy of the urban population.

Article 16 of the Social Insurance Law of the People's Republic of China (PRC) stipulates that an individual who has participated in basic old-age pension insurance shall receive a basic pension on a monthly basis if he or she has contributed for a total of fifteen years by the time he or she reaches the statutory retirement age. Individuals who have participated in basic pension insurance and have contributed for less than fifteen years when they reach the legal retirement age may contribute until they reach the full fifteen years and receive the basic pension on a monthly basis; they may also be transferred to the new type of rural social pension insurance or the urban residents' social pension insurance, and enjoy the corresponding pension insurance treatment in accordance with the provisions of the State Council.