Social security has been paid enough 15 years. Do I have to hand it in before I retire?

Social security has been paid 15 years. If you are still working before retirement, you need to continue to pay social security.

Social security is a social insurance system, which aims to provide the insured with basic living security such as retirement, medical care and unemployment. In China, paying social security is a legal obligation, which is not only a guarantee for one's future, but also a contribution to society. Even if you have paid 15 years of social security, as long as you are still working before retirement, you need to continue to pay social security fees according to regulations. This is because the payment of social security is related to personal wages, working years and other factors. If you pay more, you will get more, and if you pay more for a long time, you will get more. If you stop paying social security before retirement, it will affect your social security benefits and quality of life in the future.

The impact of stopping paying social security on retirement benefits is mainly reflected in the following two aspects:

Reduced pension benefits: Stopping paying social security will lead to the reduction of individual payment period, which in turn will affect the amount of pension at retirement.

Extension of retirement time: the accumulated payment period is not enough due to the suspension of social security payment. If you want to retire and receive pension benefits, you can only extend the payment period, and you can retire and receive monthly pension benefits only after you meet the conditions.

To sum up, even if social security has been paid for 15 years, if you are still working before retirement, you still need to continue to pay social security.

Legal basis:

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

Article 16

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.