What if the social security payment reaches 15?

Social security/kloc-can no longer be paid after 0/5 years. 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.

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.

Also need to pay attention to the following issues:

1, social security needs to wait until retirement age, and pension can only be received after retirement. Retirement age (male 60 years old, female 55 years old).

2. Those who have not reached retirement age cannot enjoy medical treatment from the time they stop paying premiums to retirement. You can enjoy medical treatment after retirement.

Extended data:

What should I do when the retirement age reaches the medical insurance payment time? There are four situations:

First, those who have not reached the prescribed payment period before retirement can pay in one lump sum.

Those who have applied for medical insurance for employees before retirement, and have reached the medical insurance payment period stipulated by the state when they retire, will no longer pay medical insurance and enjoy medical insurance benefits for life; If the payment period of medical insurance does not reach the payment period stipulated by the state, it can be paid in one lump sum, and no longer pay medical insurance after retirement, and enjoy medical insurance benefits for life. For example, where you are insured, it is stipulated that the male payment period is 25 years, but you actually only pay 15 years, then you can pay 15 years in one lump sum, so that your accumulated payment period will reach 25 years, and you can enjoy medical insurance reimbursement without paying medical insurance for the rest of your life. This is what everyone calls medical insurance retirement.

Second, after retirement, pay fees year by year until the prescribed payment period is reached.

If you only paid medical insurance for a few years before retirement, and you have to pay tens of thousands of dollars at a time, but you can't afford it at a time, then you can choose to pay it year by year after retirement. The payment base is still the average salary of employees announced by the statistics department every year, just like the payment method before retirement. You can enjoy medical insurance reimbursement for life without payment after you reach the payment period stipulated by the insured place through annual payment. The advantage of this way is that you don't have to pay so much money for sex at one time, because there is a pension every month, and you can take some money out of the pension every month to pay for medical insurance. For example, when you retire, you only pay five years of medical insurance. Then after paying for 20 years, you will no longer pay medical insurance and enjoy medical insurance benefits for life. However, this approach involves higher and higher follow-up payments and the growth of age. By the time you retire with health insurance, you may be close to 80 years old.

Three, did not apply for medical insurance before retirement, can continue to apply for employee medical insurance after retirement.

If you don't apply for employee medical insurance before retirement, it is best to apply for employee medical insurance before retirement, even a few months in advance, because some places stipulate that you can't apply for employee medical insurance after retirement. However, at present, most places still hold a more tolerant attitude towards flexible employees. Those who fail to apply for employee medical insurance at retirement are allowed to continue to apply for employee medical insurance after retirement. After handling, you can still choose to pay in one lump sum or annually, and individuals can decide according to their own economic conditions.

Fourth, if employees are not allowed to apply for medical insurance after retirement, they can apply for medical insurance for urban and rural residents.

Those who do not apply for employee medical insurance before retirement are no longer allowed to apply for employee medical insurance after retirement. You can apply for medical insurance for urban and rural residents at your domicile or residence. The medical insurance for urban and rural residents adopts a combination of state subsidies and individual contributions. This year, individuals pay about 250 yuan every year, and the state subsidizes 520 yuan. There is no personal account for medical insurance for urban and rural residents, but there are certain outpatient expenses and outpatient reimbursement expenses every year. The reimbursement rate at hospitalization is about 50%, which is 20% lower than the employee medical insurance.

Individuals who participate in the basic medical insurance for employees will no longer 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 and the accumulated medical insurance payment reaches the local prescribed number of years.

According to the provisions of Article 27 of the Social Insurance Law, if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the cumulative payment of medical insurance reaches the local prescribed period, he will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations.