The social security period is enough, but what should I do if I haven't reached retirement age?

Workers who have not retired after paying social security for fifteen years either do not pay social security or continue to pay social security. When they reach retirement age, they can receive a monthly pension. How much pension you can receive mainly depends on the length of individual payment period, individual payment base and the average wage of local society. If you are a flexible employee, you don't need to continue to pay after paying for 15 years, but if you stop paying, you can enjoy medical insurance until the legal retirement age.

Social security has been paid for 15 years, but it needs to be paid again before retirement age. But if you are a freelancer who pays social security by yourself, you can choose not to pay it. When they reach retirement age, workers can receive a monthly pension. How much pension you can receive mainly depends on the length of individual payment period, individual payment base and the average wage of local society.

How many years must the social security pension be paid?

The accumulated payment reaches 15, and the retirement formalities can only be handled after reaching the retirement age. So far, the retirement age stipulated by the state is: male, 60 years old. Female, 50-year-old worker: 55-year-old cadre (and 55-year-old freelancer).

After reaching retirement age, you can receive a monthly pension; Medical insurance: effective after three months, hospitalization can be reimbursed; Maternity insurance: after the unit pays for one year, the child will basically not spend his own money; Unemployment insurance: those who have paid for more than one year and have been expelled from the unit can receive part of unemployment benefits if they can't find a job temporarily; Work-related injury insurance: once a work-related injury occurs, the treatment fee will be paid by the work-related injury fund, which does not need to be borne by the unit.

Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

To sum up, workers who have not retired after paying social security for fifteen years will either not pay social security or continue to pay social security. When they reach retirement age, they can receive a monthly pension.

legal ground

According to Article 16 of the Social Insurance Law of People's Republic of China (PRC), individuals participating in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid 15 years at the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 27 of the Social Insurance Law of People's Republic of China (PRC) stipulates that individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations when they reach the statutory retirement age; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.