What should I do if I have paid social security for 6 years and reached retirement age?

There are two situations when social security is paid to retirement age. First, social security is paid normally, and those who have paid the insurance premium 15 years or more can retire directly and enjoy pension benefits when they reach retirement age. The specific retirement procedures are as follows: if you have a work unit. Retirement procedures shall be handled by the work unit. There is no work unit at present. Go to the local community department for consultation and formalities. Bring your ID card and social security card. If you are a local permanent resident, bring your household registration book to the social security service center of the insured area for retirement. The staff will guide you through all the formalities.

The retirement age is only six years until social security is paid. These three methods can solve the problem. Second, transfer to old-age insurance for urban and rural residents. Because your payment period is only 6 years, and there are still 9 years from the minimum payment period 15, it is impossible to retire on time, so it is also an option to transfer to urban and rural residents' endowment insurance. According to the provisions of the endowment insurance for urban and rural residents, if the payment period is less than 15 years, it can be paid year by year or in one lump sum, and the payment period shall not exceed 15 years at the longest. Those who are transferred to the old-age insurance for urban and rural residents can pay the remaining nine years of old-age insurance in one lump sum in accordance with the provisions of the old-age insurance for urban and rural residents. After paying the endowment insurance for urban and rural residents for 9 years, the payment period of employee endowment insurance that has been paid for 6 years before can be calculated as the payment period of endowment insurance for urban and rural residents. After the accumulated payment period reaches 15, you can receive the basic pension according to the provisions of the old-age insurance for urban and rural residents. Although the pension level of urban and rural residents' pension insurance is low, there is no way. A pension is better than no pension. As long as you pay it back according to the highest local standards, the pension level will not be too low. The retirement age is only six years until social security is paid. These three methods can solve the problem. Third, apply for surrender. If you continue to pay employee pension insurance, you need to delay retirement for 9 years, which is very uneconomical. If you transfer to the old-age insurance for urban and rural residents, the pension may be lower. If you are not interested in either method, you will not achieve your goal.

How to refund the rural endowment insurance?

The procedures for surrender are as follows:

1. The surrenders should write an application for surrender, specify the reasons for surrender, and attach relevant materials, such as entrance examination, recruitment, household registration and other materials, and go through the formalities at the township management agency.

2, the township management agencies to review the relevant certificates, and signed opinions, and will apply for surrender of the payment card, payment record card and submitted to the county insurance institutions. County-level insurance institutions re-examine the submitted materials, and calculate the amount of surrender if they meet the conditions for surrender.

3. The amount of surrender for normal surrender and abnormal surrender is calculated according to different standards. The proportion of individuals returning is determined by the localities as appropriate. The part of the collective subsidy that has not been returned to the individual is credited to the fund. In case of abnormal surrender, only the principal of insurance premium and the amount of collective subsidy paid by the insured person will be refunded. According to the principle that collective subsidies that have been credited to individuals will not be refunded and credited to the fund.

A party who has reached the statutory retirement age and accumulated contributions for more than 15 years can apply for retirement. The detailed process of scrapping is as follows:

1. One month before reaching the statutory retirement age, you should provide the unit manager with a copy of your ID card (for pension card), personal photos (for retirement card) and other materials. 2. Social security personnel should fill in the retirement approval form according to the details of the parties, and submit it to the social security agency together with the personnel files of the parties in the month of retirement, and the social security agency will review whether it meets the retirement conditions. 3. After the social security audit, the detailed pension is calculated according to the retirement age, the insured payment period, the payment base over the years and the local social welfare wages over the years. 4. Managers will improve the retirement approval form according to the social security accounting results and submit it to social security for approval and approval. After completion, the social security department will issue a retirement approval and make a retirement certificate, and entrust the bank to handle its pension card together. 5. The manager will hand over the completed retirement certificate and bank card to the retiree to complete the retirement procedures.

Legal basis:

"Social Insurance Law of People's Republic of China (PRC)" 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 for fifteen years at 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.