Can I pay social security at the age of 55?

You can buy social security at the age of 55, but there are conditions. The basic conditions are as follows: male employees are over 60 years old; Female cadres engaged in management and scientific research are 55 years old and female employees are 50 years old. The basic pension consists of basic pension and personal account pension. Employees reach the legal retirement age and the individual contribution reaches 15 years. If the payment is over 15 years, you can not pay it, otherwise you will pay it.

Individuals who participate in the basic old-age insurance and pay less than 15 years when they reach the statutory retirement age can pay to 15 years and receive the basic pension on a monthly basis; You can also receive a one-time pension insurance. However, the draft so stipulated still maintains the basic payment threshold of 15 years. The contribution rate of new insured units (referring to various enterprises) is 10%, and the individual contribution rate is 8%. Individual industrial and commercial households and their employees, flexible employees and other personnel who are insured in the form of individuals have different rates according to the payment period.

Individual workers who participate in the basic old-age insurance, the payment base can be high or low within the prescribed scope, and more contributions will benefit more. To receive a monthly pension, employees must reach the statutory retirement age and have gone through retirement procedures; Units and individuals have participated in the old-age insurance according to law and fulfilled the obligation to pay the old-age insurance; Personal payment must be at least 15 years. Therefore, you can buy social insurance at the age of 55. Specific analysis of the specific situation.

What if the company doesn't buy social security?

According to the relevant laws and regulations, the unit shall handle the social insurance formalities for employees and pay social insurance premiums for employees, and the part borne by individuals shall be withheld and remitted by the unit from my salary.

Employees must sign a contract with the unit when they join the company. In the event of a dispute, the contract can be used as proof of the formation of labor relations between employees and units. According to the Labor Contract Law, Social Insurance Law and other relevant laws, as long as there are labor relations, enterprises should handle social security for employees.

For employees who have not signed a contract, employees can keep all kinds of materials that can prove the existence of labor relations with the unit, such as salary slips, stamp certificates, work clothes, etc. Once the unit does not apply for social security, it can go to the labor arbitration institution where the enterprise is located for arbitration. The local labor department will issue an arbitration opinion, and employees can ask the enterprise for reissue and new social security according to the arbitration opinion.

In our real life, many people may not be particularly clear about the purchase of social insurance. Under normal circumstances, social insurance needs to be purchased by the company. When the purchase time reaches a certain level, the retirement formalities will be handled at the retirement age.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity.

Article 27 of the Social Insurance Law of People's Republic of China (PRC) * * * Individuals who participate in the basic medical insurance for employees shall enjoy the basic medical insurance benefits when they reach the statutory retirement age and the accumulated payment reaches the national regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.