What should I do if I am 47 years old and have not paid social security?

In our real life, many people know that social security is very important to us. But the reality is that many people have never participated in social security for various reasons. For example, in rural China, many rural elderly people have never participated in social security. The reason why they didn't participate in social security is not only related to the imperfection of the social security system established in rural areas of China, but also related to farmers' lack of social security awareness and neglect of social security.

Recently, an aunt around me asked such a question. She is 47 years old, but she has never paid social security. If she chooses to pay back the money, will it be too late? Can I pay it back? In response to this aunt's question, we will talk to you today.

First, the answer is coming!

Here we have to ask a question. According to the current social security policy, people who have not paid social security at the age of 47 can make it up, and it is not too late to make it up. However, we must clarify several issues. First, judging from the existing policies, the social security policy stipulates that women who have not reached the retirement age of 50 can participate in the old-age insurance for urban workers. The age stipulated in the endowment insurance for urban and rural residents is under 60 years old.

Therefore, although 47 years old is a little old, it has no effect on insurance. As for which kind of insurance residents choose to participate in, it still needs residents to comprehensively consider the annual participation fees of the two insurances and their own economic conditions. But no matter what kind of insurance, the minimum insurance period required in China is 15 years, and it is possible to reach the statutory retirement age. So it's not too late for residents to pay their fees, so you don't have to worry about this problem.

Second, we suggest that you try to participate in the endowment insurance for urban workers. Comparing the endowment insurance for urban workers and the endowment insurance for urban and rural residents in China, the income ratio of endowment insurance for urban workers is much higher than that of urban and rural residents. As we all know, in the past 17 years, the pension of urban workers in China has been increasing continuously 17. However, due to the problem of calculation and development standards, the overall level of endowment insurance for urban and rural residents in China is low.

Third, judging from the payment methods in various places, the policy of paying back the old-age insurance for urban employees in China has ended, and some areas have even ended. I also want to remind everyone here that residents who want to participate in the insurance must attach great importance to this issue and seize the last tail of the policy. Otherwise, once we miss this period of time, there is no way to make up for it later, which will have a great impact on everyone.

Fourthly, from the perspective of retirement age, if you choose 47 years old to participate in the endowment insurance for urban workers, if you calculate according to the minimum payment age 15, the retirement age is 62 years old. Obviously, this may be 5 to 12 years later than other women. At the same time, according to China's pension, the longer the payment period, the higher the pension mode, and even after retirement, the pension is not high.

From this perspective, in fact, the cost performance is not high. The reason is that if residents can live to 67 years old, it means that they can only receive a five-year pension. On the contrary, if residents live longer, it is more cost-effective. Therefore, I suggest that when you take out insurance, you should consider these issues comprehensively.

Second, other issues.

Here we say the next question: can a man be insured at the age of 47 this year? The answer is yes, because at present, according to the social security policy, it is not mandatory that only women can pay back. Moreover, the retirement age of men is 60 years old, only two years later than other men, which means that social security for male sexual intercourse is actually more cost-effective than that for women.

Although we don't recommend you to participate in the endowment insurance for urban and rural residents, it still depends on your economic foundation. Because the cost of participating in the old-age insurance for urban workers is often much higher than that of men, and the pension for urban and rural residents after retirement is relatively low.

But the cost of insurance is relatively low. If you are willing to participate in insurance, you can ask the local social security bureau about the insurance price and consider it comprehensively. From the reality, there are many problems in the process of collecting social security fees in China.

Third, the collection of social security fees.

At present, the problem of population aging has become a serious social problem in China. China will enter a deeply aging society this year, accounting for more than 14%. It is predicted that by 2033, the proportion of the elderly population in China will far exceed 20%, and it will gradually enter an aging society. The social pressure brought by this problem is gradually changing from future worries to real problems.

Although China's social insurance legal system has been basically established, there are still some problems, such as the imperfect social insurance legal system and the relatively weak compulsion to raise social insurance funds, which are difficult to cope with the huge social insurance expenditure under the background of aging population. In order to alleviate the financial pressure and improve the collection efficiency, the tax department will take over the collection and management of non-tax income such as social insurance premiums.

From April 2065438 to April 2009, the State Council issued a document emphasizing the role of government agencies in the process of collecting social insurance premiums. The competent departments of institutions and urban and rural residents to pay various social insurance premiums shall be handed over to the tax authorities in accordance with the reform and deployment. The responsibility of collecting various social insurance premiums for enterprise employees is not mature enough now, and it will be handed over to the tax authorities when conditions are ripe.

In June 5438 +2020 10, many provinces and cities issued notices, which clearly stipulated that tax authorities should levy enterprise social insurance premiums. However, in the process of the reform of the collection and management institutions, it is found that the legal system of social insurance premium collection and management faces obstacles and difficulties in practice, such as low legislative level and complicated legal procedures for collection and management, which increases the compliance burden of payers. In view of the problems existing in the operation of the legal system of social insurance premium collection and management, China urgently needs to further improve the legal system of social insurance premium collection and management.

Only by perfecting the reasonable collection of social security fees can we avoid the serious waste of pensions in China. Only in this way can our country have enough funds to deal with the influence of population aging on our country, otherwise it will make our country's pension income fail to meet its expenses in advance.

abstract

From the above analysis, although the 47-year-old did not participate in social security, the principle of social security payment is still ok. However, due to various social security payment policies, it is about to enter the final stage. Here we also suggest that you consult the local social security bureau as soon as possible and join the insurance as soon as possible according to local policy requirements.

As for the types of insurance, we need to consider them comprehensively according to our own economic situation. If the current economic conditions are relatively good, then everyone should try to participate in the old-age insurance for urban workers.