What is the best age to pay for social security?

Social security can be joined from the age of 16. The state establishes a social insurance system of basic pension insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and other social insurance systems, to protect the right of citizens to obtain material assistance from the state and society in accordance with the law in the event of old age, illness, industrial injury, unemployment, maternity and other circumstances. Employers and individuals within the territory of the People's Republic of China*** pay social insurance premiums in accordance with the law, and have the right to inquire about the records of contributions and individual rights and interests, as well as to request social insurance agencies to provide social insurance counseling and other related services.

1. Paying social security on your own generally requires that you pay both pension and medical insurance.

Of these, pension insurance is a cumulative total of 15 years, at the age of can apply for retirement, but only 15 years, if you pay, the pension is lower; so the male age of 45 years old, the female age of 35 years old, there are still 15 years from retirement, pension insurance payment of 15 years can be applied for retirement, health insurance in the retirement if the years are not enough to make up for the payment.

If this policy is not adjusted in the future, then the male age 45 years old, the female age 35 years old began to pay social security just good enough to enjoy the various treatments in retirement. Even if the future retirement policy adjustment, to delay retirement, or need to pay more than 15 years longer than the number of years for retirement, this age is very suitable age. Neither the individual will not pay social security time is too long to feel that retirement is far away, but also in the case of just enough time to pay for retirement, is a more cost-effective age. For how old to pay social security is appropriate, in this age group, if you pay your own social security, on the one hand, in order to enjoy the national pension insurance retirement policy, and on the other hand, in order to avoid the age of the possible medical risks. And this is just right in terms of cost, is the most cost-effective stage.

2. Unit to pay social security

If you work in the unit, the unit and the individual must pay social security according to law, which is mandatory. This is mandatory. And if you pay more and pay longer, your pension will be higher. The grade of social security and social security processing, renewal, for individuals to pay social security, because the social security contribution base is increasing every year, whether it is early payment or late payment is almost the same. If you pay late, you have to pay more money every month; if you pay early, you have to pay less money every month, but the interest over the years is also more, so that whether you pay early or late, the money on your personal account at the time of retirement is almost the same, and the amount of pension will not be too much difference.

Legal basis: "The Chinese people **** and the State Social Insurance Law" Article 13: State-owned enterprises, institutions employees to participate in the basic pension insurance, the basic pension insurance premiums should be paid during the period of the deemed years of contributions by the government. In the event of a shortfall in payments from the basic pension insurance fund, the Government shall provide subsidies.

Article 15: The basic pension consists of a coordinated pension and an individual account pension. The basic pension is determined on the basis of the individual's accumulated years of contribution, the contribution wage, the average wage of local workers, the amount of the individual account, and the average life expectancy of the urban population.