Does it affect you to put your personal files in your own hands? What are the benefits of continuing to pay social security after the payment period?

Let's put it this way: you don't have to pay the filing fee every year to keep the file in your hand, and there are no other benefits. If your file is damaged or lost, you will be in trouble when you retire in the future! It is strongly recommended to save talents. If you really don't want to save it, wait until you retire, but you should make sure that your file is foolproof.

Let's talk about social security Social security is like this now. At retirement age, if the payment period is not enough, you can pay it in one lump sum and then retire. But before retirement, individuals can't pay insurance, they can only pay it monthly.

I suggest you pay before you reach retirement age, because every five years is a big hurdle in calculating pension. In case it is almost not worth the loss, even if it is not a big hurdle, you will get more in the future. One more thing, the policy is changing every year now, and it is difficult to guarantee that when we retire, the state will change its policy and cannot make up the payment or other circumstances. Don't bother yourself, pay by the month.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.