Can you start paying social security at age 48 with a lump sum

Yes. Social insurance is a social and economic system that provides income or compensation for people who have lost their ability to work, temporarily lost their jobs, or suffered losses due to health reasons. The Social Insurance Law of the People's Republic of China*** and the State of China stipulates that: 1. Individuals who have participated in the basic pension insurance for employees to reach the legal retirement age and have accumulated less than 15 years of contributions can be extended to 15 years． Those who participated in the insurance before the implementation of the Social Insurance Law and whose contributions are still less than 15 years after the extension of 5 years, may make a one-time contribution up to 15 years. Plus workers basic pension insurance individuals reach the legal retirement age, the accumulated contributions less than 15 years, you can apply for transfer to the domicile of the new rural social pension insurance or urban residents social pension insurance, enjoy the corresponding pension insurance treatment.

Article 16 of the Law of the People's Republic of China on Social Insurance Article 16 Individuals participating in basic old-age pension insurance shall receive a basic pension on a monthly basis if they have contributed for a total of fifteen years by the time they reach the statutory retirement age. Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the statutory retirement age may contribute until they reach the full fifteen-year limit and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or to the urban residents' social old-age insurance, and shall enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council. Article 27 of the Law of the People's Republic of China on Social Insurance Article 27 Individuals participating in basic medical insurance for employees who have paid contributions for a total of up to a specified number of years by the state when they reach the legal retirement age shall no longer pay basic medical insurance premiums after their retirement and shall enjoy basic medical insurance in accordance with the provisions of the State Council; and those who have not yet reached the specified number of years by the state may pay contributions for a total of up to the specified number of years by the State Council.