What if the endowment insurance has not been paid for fifteen years?

Old-age insurance has not been paid 15: 1, and there are several solutions to the problem of delayed retirement: if the insured person of old-age insurance still needs to pay the old-age insurance in 15 years, he can choose the way of delayed retirement, continue to work and pay social security until 1 5 is paid. It should be noted that this method is not applicable if the insured needs about 10 years to pay the full pension of 15 years. 2. Converting employee social security into resident old-age insurance: the insured person of old-age insurance can convert his employee social security into resident old-age insurance, so that he can pay 15 of the old-age insurance in one lump sum. But in this way, the treatment of residents' pension insurance will be lower than that of employees' social security, and the reimbursement ratio will be relatively low. 3. Terminate the employee's basic old-age insurance relationship and choose to receive it in one lump sum: the insured person of the old-age insurance can also apply to the Social Security Bureau, choose to terminate the employee's basic old-age insurance relationship and apply for a one-time withdrawal of the personal account. But in this way, you will not be able to enjoy the pension insurance in the future, so it is not recommended to choose. Definition of old-age insurance: old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age. Endowment insurance is an important part of social security system and one of the five most important social insurances. The purpose of endowment insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of life. Brief introduction of urban residents' old-age insurance: Social old-age insurance for urban residents is an old-age insurance system covering non-employees with urban household registration. This system, together with the urban workers' endowment insurance system and the new rural social endowment insurance system, constitutes the social endowment insurance system in China.

Legal basis:

"Accounting System of Social Insurance Fund" Article 25 Expenditure of basic endowment insurance fund for enterprise employees includes pension insurance benefits expenditure, transfer expenditure, subsidies to subordinates, superior expenditure and other expenditures. Expenditure on pension insurance benefits includes basic pension, Medicaid, funeral subsidy, pension and disability allowance. Basic pensions include basic pensions, personal account pensions, transitional pensions, and retirement fees, retirement fees and subsidies for retired and resigned personnel before the implementation of the Decision of the State Council on Establishing a Unified Old-age Insurance System for Enterprise Employees (Guo Fa [1997] No.26). Personal account pension includes monthly personal account pension expenditure and one-time personal account expenditure. One-time expenditure of personal account refers to the expenditure of the amount of funds returned to personal account by individuals who participate in the basic old-age insurance for enterprise employees due to death, going abroad on business, etc. Medicaid refers to the payment of medical expenses for retired and resigned personnel who have been included in the expenditure scope of the basic old-age insurance fund for enterprise employees according to regulations. Funeral grants and pensions refer to the funeral grants for the insured who have been included in the expenditure scope of the basic old-age insurance fund for enterprise employees, and the pension expenses for their survivors who died due to illness or non-work-related injuries. Disability allowance refers to the basic living expenses paid to the insured who has completely lost the ability to work due to illness or non-work-related disability and has not reached the statutory retirement age according to the standards set by the state. Deduct the repeated basic old-age insurance benefits for urban and rural residents from the basic old-age insurance fund for enterprise employees and pay them from other expenses.

Derivative problem:

Can endowment insurance be paid in one lump sum?

Among the social security policies, one can be paid in full in one lump sum, but certain conditions must be met: 1, insured before the implementation of the social insurance law; 2, has reached retirement age, payment period is not full; 3. The deferred payment after retirement is still less than 15 years after 5 years. That is, when individuals participating in the basic old-age insurance for employees reach the statutory retirement age, if the accumulated payment is less than 15 years, the payment can be extended to 15 years. After the implementation of the Social Insurance Law of People's Republic of China (PRC), the payment will be extended for five years. If it is less than 15 years, it can be paid in one lump sum until it reaches 15 years. Therefore, even if you pay social security once a month, you can't have sex with social security once before retirement, but you can have sex once after retirement. Of course, if an individual reaches the legal retirement age and the accumulated contribution is less than 15 years, he can't pay it in one lump sum, but he can also enjoy the old-age insurance benefits after continuing to pay the accumulated contribution 15 years, or he can apply for the new rural social endowment insurance or urban residents' social endowment insurance where he is registered, and enjoy the corresponding old-age insurance benefits.