How many years can social security get back the principal?

Because there are many factors to consider, such as social wages and pension level. The principal can be paid off in about 15 to 20 years. Generally, the longer you live, the more you get, until your life. Well, the minimum payment period of old-age insurance is 180 months, which means 15 years. You can pay more, and then you can get more.

At the same time, the pension insurance can accumulate payment years, that is, intermittent payment is allowed. Medical insurance needs at least 25/30 years. When you reach retirement age, you can apply for pension benefits and medical reimbursement (as long as the fee is renewed, it is also possible at ordinary times).

Social security needs to be paid cumulatively for 15 years, and social security benefits can only be enjoyed after the legal retirement age.

Social security payment/kloc-can be stopped after 0/5 years. If there is a unit that has paid 15 years, but the employees have not retired, the enterprise will continue to pay until retirement;

Individuals who pay social security can stop paying or continue to pay. According to the local policy, they will definitely continue to pay high salaries. Endowment insurance follows the principle of "pay more and get more". The higher the payment base, the longer the service period, and the more pensions you receive when you retire.

Second, what problems should be paid attention to when paying social insurance?

(a) social security needs to wait until retirement age to apply for retirement and receive a pension. The retirement age is 60 for men and 55 for women.

(2) Those who have not reached retirement age will not be able to enjoy medical treatment until they stop paying premiums. You can enjoy medical treatment after retirement. This can be replaced by rural cooperative medical care or urban and rural medical care.

(3) Social security policies vary from place to place. I suggest you consult the social security department directly, and you can consult the local endowment insurance hotline:12333; The most authoritative answer.

3. What are the differences and connections between social security and commercial insurance?

(1) has different properties. Social insurance is enforced by national legislation, which belongs to government behavior, is a welfare undertaking and is non-profit. Commercial insurance is a kind of commercial behavior, and the relationship between the insurer and the insured is completely voluntary. Having the nature of taking profit as the purpose;

(2) the purpose is different. Social insurance is not for profit, its starting point is to protect the basic livelihood of workers, maintain social stability and promote economic development. The fundamental purpose of commercial insurance is to obtain profits, but only on this premise can the insured be given economic compensation;

(3) Different sources of funds. Social insurance is borne by the state, employers and individuals. Commercial insurance is entirely borne by the insured person;

(4) Different levels of treatment. Starting from stabilizing society, social insurance focuses on the protection of long-term basic life, and should be adjusted and gradually improved with the rise of prices. Commercial insurance focuses on one-time economic compensation;

(5) The government has different responsibilities. Social insurance is a basic right enjoyed by citizens. The government has the ultimate responsibility to society. Commercial insurance is restricted by market competition mechanism, and the government mainly supervises commercial insurance according to law to protect the interests of investors.

If you want to enjoy social insurance benefits, you must pay social insurance premiums for 15 years. Of course, there are cases where the payment period exceeds 15 years, which may be because the retirement age of employees has not been reached, or because individuals want to get more pensions and pay voluntarily.

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, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.

Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.