The retirement age is 15. What should I do if my social security is not paid?

There are five methods, namely: those that meet the requirements can be filled out at one time (this method has harsh conditions and complicated procedures); Individuals pay back money year by year (without too much economic pressure); Delaying retirement and continuing to pay normal fees; Urban and rural residents are transferred to social security; Give up social security and withdraw the balance in the card.

The specific analysis is as follows:

1. If it meets the requirements, it is good for those who have not paid in full, but it is unfair for those who pay social security on time. Therefore, one-time payment is being phased out. Under this year's new regulations, those who meet one of the following conditions can apply for a one-time payment: 1962- 1982 educated youth who go to the countryside can be regarded as the payment period (for example, if someone goes to the countryside for three years, he needs to pay back 12 years); Persons who retired in state-owned enterprises and institutions before 20 1 1; 20 1 1 years ago, senior retirees (male over 65 years old, female over 60 years old) who paid social security locally.

This application condition is still harsh, and it may be useless to most employees at present. But if you meet the requirements, you can still pay in one lump sum. If you do not meet the above conditions, you can also pay social security for residents in some areas in one lump sum. However, the social security benefits of residents are not as high as those of employees, and the procedures are more complicated.

2. Individuals repay each year.

If you have reached the legal retirement age, but the social security has not been paid for 15 years, in this case, you can choose to pay it year by year until you have paid for 15 years, and you can apply for a pension. The disadvantage of this scheme is that when you retire, you have almost no source of income. Without some savings, the economic burden will be even greater. On the one hand, daily expenses cost money, on the other hand, I have to pay some social security money, and I haven't started to receive pensions yet. If you have some savings on hand and need to pay it back in a short period of time (for example, 2 or 3 years), you can still choose this scheme. However, if you don't have a deposit at the beginning and you have to pay it back for a long time, then this scheme is not suitable. It is worth mentioning that if you choose to pay back every year after retirement, you will have to pay an extra late fee.

3. Delay retirement and continue to pay normal fees.

Delayed retirement is similar to annual payment. Just paying on-the-job fees and retiring after paying 15 can alleviate some financial pressure, but it will shorten the time to receive pensions. In this case, you can choose to postpone retirement. If it only takes a few years, this way is the best, because you have already paid back part of it. If you stop paying now, you won't get a pension in the future. If the difference is more than 10 years, it is best not to choose this method, because there are still more than 10 years to pay in full, and it is not cost-effective to delay retirement for such a long time. But now there are some adjustments in our country. If the extension of 5 years is less than 15 years, it can be supplemented at one time.

4. Transfer of social security for urban and rural residents

China's current social security is divided into two categories: urban workers' social security and urban and rural residents' social security. Employee social security is paid by employees working in the unit and remitted by the unit. Units can pay part of the money and pay more, and pension and medical insurance are better; Residents' social security is paid by residents without work units, and the money is paid by themselves. Less money is paid and the treatment is poor. If you paid employee social security when you were young, but haven't paid 15 years when you retire, you can apply for resident social security, so you can pay it in one lump sum. But if you transfer to social security, your pension will be much less. This still needs serious consideration.

Give up social security

Some people who have not been insured for a long time and don't want to pay back the money can apply to give up paying social security and take out the balance in their cards. But giving up social security means giving up a lot of benefits, which is not worth the candle.

legal ground

According to the Social Insurance Law of People's Republic of China (PRC)

Article 63 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.

If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.