How many years does social security usually pay?

Social insurance needs to be paid for 15 years, and you can enjoy social security benefits after reaching the statutory retirement age. Social security payment/kloc-no longer paid after 0/5 years. If the parties have a unit, even if the payment has reached 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.

1. According to the law, the social security should be paid at least 15 years, and 15 is the minimum base, which cannot be interrupted in the middle, and late fees will be paid for subsequent payment. Every year after 15, the proportion of retirement pension will increase.

After participating in the basic old-age insurance, if the payment is interrupted, the personal account pension will first be fixed and stagnant, and the payment period of the interruption time naturally cannot be added to the combined payment period. When retiring in the future, the basic pension is relatively low when calculating retirement benefits according to the accumulated payment period. Secondly, the amount of personal account savings is small, and the personal account pension is also reduced. When adjusting the pension level in the future, the pension level caused by the interruption of payment is low and will not be tilted. Generally speaking, the loss caused by interruption of payment is far greater than the basic old-age insurance premium saved by interruption of payment.

2. When people who don't pay fees reach retirement age, they should first look at whether their accumulated payment period has reached 15 years. If the accumulated payment period is less than 15 years, they can only return the personal payment part of their personal account to themselves in one lump sum, which cannot guarantee their basic living needs for staying overnight.

3. After the payment has expired 15 years, those who have not reached the retirement age will no longer pay the pension. After they reach retirement age, they will calculate their pension according to the average social wage of the previous year when they stop paying fees, not according to the average social wage of the previous year when they retire. Social insurance needs to be paid on 15, and the insured individual can get the registration form of the municipal social security card at the bank service window with his personal ID card, and the bank can notify the insured individual to get the card at the bidding outlet within 20 working days.

4. The process of handling social security is as follows:

(1) The insured individual goes to the bank service window with his/her personal ID card to receive the registration form for applying for the municipal social security card;

(2) Insured individuals fill in the registration form of applying for social security card in accordance with the guidance of the front desk staff of the bank, and paste the original and copy of ID card or take photo receipt as required;

(3) After the insured individual submits the form, he/she needs to pay the social security card fee, and the front desk staff of the bank issues a bill to the insured individual;

(4) Within 20 working days, the bank will notify the insured individuals to pick up the cards at the bidding outlets;

(5) The social security card needs to be activated before it can be used. Please activate the card as soon as you get it.

legal ground

People's Republic of China (PRC) social insurance law

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.