/kloc-can employee social security be broken after 0/5 years?

/kloc-Whether the payment of social security can be stopped after 0/5 years depends on the situation. If the company pays social security, it can't stop. Individual payment, can stop after 15 years. Stop paying, you can't enjoy medical insurance reimbursement after retirement, and you can enjoy medical insurance reimbursement after paying medical insurance for 20 years; If you don't stop, you will continue to pay. You can get more pension after retirement, pay enough for 20 years, and enjoy medical insurance reimbursement after retirement. Old-age insurance must pay the prescribed minimum payment period 15 years, and you can enjoy old-age benefits (except for delayed retirement) when you reach retirement age (60 years for men/55 years for women). If there is a unit that has paid 15 years, but the employees have not retired, the enterprise will continue to pay until retirement; Individuals who pay social security can stop paying or continue to pay.

According to the local policy, we will definitely continue to pay well. Endowment insurance follows the principle of "pay more and get more". The higher the payment base, the longer the service life, and the more pensions you receive when you retire.

First, who can be insured:

According to the provisions of the Social Insurance Law, employees should participate in social insurance. The Labor Law stipulates that employers and workers must participate in social insurance. In other words, as long as employers and employees establish labor relations, they must participate in social insurance, which is the legal obligation of the state, and individuals and employers have no right to choose. However, it is stipulated that flexible employees, individual industrial and commercial households without employees and part-time workers can participate in basic old-age insurance and basic medical insurance. In other words, groups such as flexible employees can freely choose whether to participate in insurance.

Second, stop paying disadvantages:

1, low pension benefits: 15 The payment period of old-age insurance is only the minimum payment period for receiving old-age pension, and the pension benefits are related to the years of old-age insurance paid by the insured. The longer the pension insurance payment period, the higher the pension benefits received after retirement. Therefore, if you only pay 15 pension insurance, the pension you receive after retirement may be relatively low. In addition, although the current minimum age is 15 years old, it may be raised in the future.

2. Medical insurance cannot be guaranteed: Social security includes medical insurance in addition to endowment insurance, and medical insurance is also very important to us. When medical insurance stops paying, our medical insurance will be cut off. If we are hospitalized during the labor cut, we may not be able to enjoy medical insurance benefits.

3. Unable to enjoy lifelong medical insurance benefits: employee medical insurance also requires a minimum payment period. Generally, the minimum payment period of medical insurance for employees in various regions is higher than that of endowment insurance. For example, in many areas, the minimum cumulative payment period for female employees' medical insurance is 20 years, and the minimum payment period for male employees' medical insurance is 25 years. After retirement, they can enjoy lifelong medical insurance benefits, depending on local policies. Therefore, if the employee's medical insurance is only paid for 15 years, then the payment period of employee's medical insurance may not meet the requirements, and it is necessary to make up or continue to pay in one lump sum when retiring.

In addition, residents' pension insurance and residents' medical insurance can generally be insured separately. It is understood that at present, flexible employees in most areas can also participate in employee pension insurance or employee medical insurance alone, depending on local policies.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law: Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Tenth, employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.

The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Fifteenth basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach 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.