How many years does the personal pension need to be paid?

Accumulated pension payment period exceeds 15 years. If you don't reach the legal retirement age, you won't get the pension after only paying 15 years, but you can still pay the old-age insurance premium on schedule until you reach the retirement age. Endowment insurance is based on the principle of giving consideration to fairness and benefit, and equality of rights and obligations, and encourages overpayment and long-term payment. If the accumulated payment at retirement is 15 years, the proportion of the basic pension is 15%, and on this basis, the additional payment will be 1 percentage point every year, and the overpayment will not be capped. How do units and individuals pay pensions: (1) When an enterprise is insured for the first time, it must bring copies of business license, organization code certificate, local tax registration certificate, legal person ID card, basic bank account number and account opening permit 1 copy. , and fill in the employer's social insurance registration form (in quadruplicate) to apply for insurance registration at the social security center. At the same time, fill in the roster of insured persons (name, ID number, contact number, month of insurance) and report it to the collection department of social security center. After being audited by the social security center, you can declare and pay the basic old-age insurance premium to the local tax department where the enterprise is located before the next month 10. (2) When urban individual industrial and commercial households (freelancers) join the insurance, they must bring their business license (freelancers bring a copy of their household registration book), 2 copies of their ID cards and 3 one-inch photos to the social security center to go through the insurance formalities and establish social insurance relations (floating population must bring the uninsured certificate of the local social security department when they join the insurance for the first time) (3) When unemployed people in enterprises join the insurance, they must bring the old-age insurance handbook and the Certificate of Renewal of Old-age Insurance Premium issued by enterprises.

Legal objectivity:

Social insurance law

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.