I've been contributing for 33 years now, and I'm thinking of cutting my contributions, will my retirement be affected in the future?

You have paid 33 years of social security, according to the deduction, you are not a few years short of retirement, unless forced to, or insist on payment! The monthly pension will be much higher than if you cut it off.

My brother and I are two good comparisons.

I started working in 1972, and in 2003 I started working for a foreign company, and I was thinking about my retirement. I've been thinking about the future of retirement. I've been able to get a higher pension, and I've been paying for my own personal account since then, in addition to the company's contribution, which is at the highest level. In fact, at that time, some people said I was "smart", some people said I was "stupid", in fact, I really do not know whether it is cost-effective or not. In 2015, I went to apply for retirement, the staff of the Social Security Administration said to me: Wow! You have 43 years of service, and no one will ever have that long of service again. And, with so much in your personal account, your pension is considered high by the companies! Now, my pension is over ten thousand dollars.

And my brother left the business from 95 years, it cut off the contribution to the social security. At that time, I also advised him to continue to participate in the insurance, for sixty years after the consideration. But he said: no one knows what the future holds! He said, "Who knows what the future holds?" He said, "I'd rather save up for my retirement if I have to pay so much money myself! By the time he retires, he will only get a thousand or so. He's lost all his money because his business has declined in the last ten years. So it's going to be tough to retire.

I think: sometimes people really need to be confused, not afraid to suffer; but also for the future, from the long-term thinking!

[Social Security Detective] Opinion: Although, paying social security 33 years, but not to the legal retirement age, do not want to continue to pay social security, in fact, will not affect the retirement pension .

But, strongly recommend that you do not break the social security, do not break the social security, there are two reasons:

The first reason: Pension insurance follows the principle of pay more, pay more, pay more;

According to the formula for calculating the employee's social security pension can be:

The key factors in determining the level of retirement pension are four: the average monthly salary of the employee on the year of retirement, the contribution base, the number of years of contributions and the age of retirement.

In the case of the average monthly salary of employees in the year of retirement, the contribution base and the retirement age can not be changed, the longer the number of years of contributions, the more the percentage of the basic pension will be able to receive the basic pension; the longer the number of years of contributions, the more the personal account reserves, the personal account pension will be increased .

So, if participants have a unit to continue to work or personal economic and health conditions are good, do not feel that the number of years of payment of social security is higher than 15 years do not need to continue to pay the social security, for the existence of a labor relationship between the workers to pay social security to the statutory retirement age, is the employer's legal obligations.

And pensions are not limited to time, the health of the body, you can receive a pension to the end of the world. What kind of insurance and financial management, other than social security, can guarantee a lifetime of benefits?

The second reason: the older you are, the more likely you are to suffer from a serious illness, and the more you spend on medical expenses;

Although, having paid 33 years of social security, you are already eligible for lifetime medical reimbursement in almost all cities across the country, participants who are not yet at the legal age of retirement and whose social security is cut off from the payment of social security, will have to spend more on medical expenses when they go to the hospital

This is the first time that we have to pay for the medical expenses. The medical expenses incurred by the doctor will not be reimbursed in real time, and you will have to pay the full amount of all medical expenses out of pocket.

This is obviously a very unfavorable situation for a participant whose health condition is not very good, so even if the economic situation is not good, it is better to find a way to continue to pay for the social security .

In Beijing, for example, a freelancer who pays for social security spends 20,000 yuan on medical expenses, and if it's outpatient expenses, you need to remove the 1,800 yuan deductible, and then you can reimburse at least 70% of the remaining medical expenses, which is reimbursed by the health insurance (20,000 - 1,800) 70% = 12,740 yuan. > Active employees are reimbursed a minimum of $15,895 and a maximum of $16,830; retirees are reimbursed a minimum of $17,858.50 and a maximum of $18,139, leaving the individual responsible for only $1,861, which is only 9% of the total cost.

If the participant does not pay the normal health insurance, the next month from the occurrence of 20,000 yuan of medical expenses need to bear all, even if the normal payment of health insurance, but also need to take 3-6 months to restore real-time reimbursement benefits, is not it very uneconomical?

What if you don't want to break your social security payments and your financial situation is not so good?

Although, the longer the number of years of pension insurance contributions, the higher the pension in the month of retirement, but if the participant has paid 33 years of social security, no company to continue to work, the individual all the burden of social security premiums, the economic pressure will be relatively large, how to do?

The first solution: apply for the 4050 subsidy to pay the freelance social security;

1. Who can apply for the "4050" social security subsidy?

"4050" refers to the working age of women over 40 years old, men over 50 years old, the desire for employment is urgent, but due to their own conditions of employment is poor, single-skilled and other reasons, it is difficult to compete in the labor market for employment of workers.

2. How much can I save on social security premiums with the "4050" social security subsidy?

Beijing pays freelance social security in accordance with the lowest bracket. Pension insurance is 20% of the contribution base, with a minimum contribution of 722.6 RMB per month; unemployment insurance is 1.2%, with a minimum contribution of 43.36 RMB per month; and health insurance is a flat rate of 453.82 RMB, which is 1,219.78 RMB in total.

Participants eligible for 4050 social security subsidies, basic pension insurance subsidy of 14%, personal contribution of 6%; unemployment insurance subsidy of 1%, personal contribution of 0.2%; basic medical insurance subsidy of 6%, personal contribution of 1%.

That is to say enjoy 4050 social security subsidies, in accordance with the lowest level of payment of social security, the individual only need to bear the monthly pension insurance 216.78 yuan, unemployment insurance 7.23 yuan, medical insurance 64.83 yuan, a total of 288.84 yuan, compared with the subsidies before the saving 76% of the social security costs .

The second solution is to pay for the basic health insurance or the New Agricultural Cooperative Medical Insurance separately;

There are some third and fourth tier cities where city and township accounts want to pay for freelance social security as flexible employment, and it is not mandatory to pay for the old age pension insurance, medical insurance and unemployment insurance, but you can choose any one of them freely. Instead, they are free to choose any one of them, or choose to pay for all of them. So, if you are in such a city, you can pay the basic employee medical insurance separately and enjoy the medical reimbursement benefits.

If it is agricultural hometown, you can pay the new agricultural health insurance in the place of domicile, the new agricultural health insurance contribution is to pay a year to use a year, and can not be accumulated to the employee social security years. But paying 33 years of medical insurance, in any city in the country, you can enjoy lifelong medical reimbursement benefits when you retire.

For example, Beijing and Suzhou require 25 years for men and 20 years for women; Jinan and Wuhan require 30 years for men and 25 years for women; Guangzhou and Shanghai require 15 years for both men and women.

The third solution: see if you belong to the four categories of early retirement;

1. engaged in special types of work and accumulated enough to a certain number of years;

engaged in the high altitude and particularly heavy physical labor work accumulated 10 years, engaged in the underground and high temperature work.

2. Total loss of working ability by appraisal;

Disability due to illness or not due to work, in accordance with the labor appraisal process by the municipal, district and county labor appraisal committees to assess the total loss of working ability.

3. State-owned enterprises reached a certain age of internal retirement;

Employees less than five years from the age of retirement, by their own application, approved by the leadership of the enterprise, you can withdraw from the workplace. However, the employee recuperation period, the enterprise to pay living expenses.

Has been the implementation of the retirement costs of the place, the enterprise and the internal retirement of employees should be in accordance with the relevant provisions of the normal payment of basic pension insurance premiums, when the employee reaches the retirement age specified by the state, the normal retirement procedures. Simply put, the internal retirement is in the program is not in the post, common in state-owned enterprises or large companies.

4. civil servants with a certain number of years of service;

civil servants meet one of the following conditions, I voluntarily apply, approved by the appointment and removal of the body, you can retire early: ① years of service of thirty years; ② less than five years from the state retirement age, and twenty years of service; ③ in line with the state regulations can be Early retirement of other circumstances.

Write in the last summary:

33 years of social security contributions (including deemed contribution years), more than a minimum of 15 years of pension threshold, does not mean that you can continue to pay at will or not, but according to their own circumstances, economic situation and health conditions to decide to continue to pay social security . .

Now it has been 33 years of contributions, and now want to break the payment, the head has been knocked still worse than a worship? As long as the full specified number of years of retirement, before December 31 of the previous year, has completed the retirement procedures, the following year to receive the pension will not be affected. Do you know the standard of pension payment, subject to the limit of years of experience? Every five years for a bar, 15 ~ 20, 25 ~ 30, 35 ~ 40, for example; 33 years of age and 30 years of age pension treatment is not much difference, has been full of 35 years of the bar with 34 years of the gap is relatively large, so add 2 years to reach the 35 years is more appropriate, if you continue to contribute, the whole 5 years, the whole 10 years of the bar is more suitable for the 35 ~ 40 (35 ~ 39) years, although the 39 years and 40 years Years only one year difference, receive pension treatment gap is very large, should continue to contribute to the 5-year bar. Money for old age contributions, much higher than the bank deposit interest rate income, it is recommended not to cut off contributions, only two years short of 35 years on the bar, but two years of contributions need to be 20,000 thousands of dollars, and then insist on contributing two years to reach the full 35 years on the bar and then arrange at will is not too late, it is recommended that you go to the Social Security Administration to consult with the appropriate how to pay, and then to make specific arrangements.

This is the case, if you have paid 33 years of social security, which has met the minimum 15 years of contribution requirements, as long as the legal retirement age, you can receive a pension. Even if you break the social security now, it is possible to apply for pension retirement at that time, will not affect the pension treatment, this can be assured.

Only now, if you break the social security, compared to the normal payment of social security to the retirement age, in the contribution period will be a little shorter, so that the level of personal pension will be a little less.

In fact, according to your situation, has paid 33 years of social security, according to the age projection, you have also been close to retirement, this time if because of economic difficulties and other reasons difficult to bear the cost of social security, it is possible to apply for social security subsidies, if the distance from the retirement is less than 5 years, you can extend the subsidy to the age of retirement, for the individual can save most of the cost of social security, after retirement, pension benefits will also be higher. Pension benefits will also be higher, which is very cost-effective.

@SocialSocialSocietyPawn, thanks for reading.

Has contributed for 33 years, and now want to disconnect, it is clear that pension contributions have become a burden in life, in our region, for example, the flexible employment personnel contributions 577 yuan / month, health insurance is about 175 yuan / month, a total of 752 yuan / month, these burdens for the age of a person in the age of more than 50 years old, it is indeed a not a small burden, but there is a little way, who will interrupt the payment of contributions!

On the one hand, the break for the retirement pension accounting has a great impact on the number of years of contributions and personal contribution account funds directly affect the accounting of pensions; on the other hand, it is the same as the abandonment of the state for certain groups of subsidies, such as the implementation of the 55 years of age of the laid-off workers subsidy policy (these subsidies are not allowed to have a break in the number of years of payment);

Now the contribution policy More and more strict, before allowing retroactive payment, and now for the implementation of flexible employment personnel must be paid before 15:00 on the 25th of each month, the expiration date is not to make up for the policy, so any decision to be well thought out, but also may be briefly in the dilemma of the payment, I think try to overcome, even if temporarily encountered difficulties and interruptions in social security contributions, but with the turn of the tide or to renew the payment, rather than pay the number of years and interruptions!

33 years of contributions, not yet reached the retirement age, now do not want to continue to pay, the future for retirement is not much impact.

Because it has met a minimum of 15 years of contributions to the pension insurance.

The only impact is on the amount of future pension and the enjoyment of health insurance during the period of severance.

The following is a detailed analysis.

The requirements for retirement, pension

Reaching the retirement age, the social security contributions for 15 years can go through the retirement procedures, receive a pension.

Not to the retirement age, social security has been paid for 33 years, then for the retirement age, to receive a pension is no problem.

But note that individual regions have regional regulations that require continuous contributions before retirement.

Pay attention to this and see if the local social security bureau has this requirement.

Now that you have paid for 33 years, what is the impact of wanting to disconnect?

For retirement procedures, there is no impact, but for the amount of pension will have an impact.

Because our country's pension is more pay more, long pay long, so the longer the payment time, the higher the contribution base, the higher the pension will be.

Then now break the payment, to the retirement age of this period, did not pay these years there is no contribution years, there is no accumulation of personal account amount of these years, will naturally affect the amount of pension.

Secondly, during the period of disconnection, medical insurance treatment will not be able to enjoy, because medical insurance is timely, disconnected, will not be able to enjoy the treatment.

Moreover, you pay 33 years of social security to see, you should not be too young, with the increasing age, the chance of disease is also increasing, no health insurance is not.

The money to see a doctor may be more than the money to pay these years of social security, so with the age of the growing, from all considerations, it is best not to cut off the insurance, continue to pay the good.

Again, if there is pressure to pay, see if it is in line with the 4050 policy, whether you can apply for social security subsidies to ease the pressure of paying social security.

If you really want to break the payment, it is best to pay the urban and rural residents during this period, urban and rural residents health insurance, although the reimbursement rate will be less, but also in the social security period, can effectively protect the rights and interests of individuals.

The last words

Social security has been paid for 33 years, although there is no impact on the retirement.

But if you break the payment during this period, it will have an impact on the amount of pension and the enjoyment of health insurance.

It is recommended to see if you can apply for social security subsidies to alleviate the pressure of contributions, and from the enjoyment of health care benefits, if you can, it is better to continue to pay.

This is the first time I've seen this.