Is it necessary to pay social security at the age of 45

In fact, it is relatively late to start paying social security at the age of 45. The legal retirement age of Chinese workers is 60 for men and 50 for women. The retirement age of flexible employees is 60 years old for men and 55 years old for women. Only when men pay social security at the age of 45 and meet the condition of 15 years, can they officially retire. However, if women start to pay social security at the age of 45, they may have to wait five to ten years before they get their pensions. Therefore, both men and women must pay social security as long as they have sufficient economic conditions after joining the job.

In fact, if the payment period of social security is not enough after retirement age, residents can pay social security fees monthly until 15 years old, and then enjoy retirement pension, or they can choose to pay the required social security fees in one lump sum and then enjoy retirement pension. However, in the subsequent payment, the required funds will be relatively large, so no matter what age, social security should be paid as soon as possible.

The payment of social security can make the social security payer get the corresponding pension after retirement, so that the payer can also have the corresponding living security after retirement. When you are 45 years old, you actually need to pay social security, because according to the corresponding regulations of our country, residents need to meet two conditions to get old-age insurance. One is that residents need to reach retirement age, and the other is that residents need to pay 15 years of social insurance. As long as you have the corresponding conditions and pay social security as soon as possible, you can get more retirement pensions when you pay the follow-up pensions.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 16 of the Social Insurance Law of People's Republic of China (PRC).

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of 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.

Article 21

The treatment of new rural social endowment insurance consists of basic pension and personal account pension.

Rural residents who participate in the new rural social endowment insurance meet the conditions stipulated by the state and receive the benefits of the new rural social endowment insurance on a monthly basis.