Social security paid 15 years still have to pay

"Can I stop paying Social Security after 15 years of payment?" , the age-old question, surprisingly, has been on the hot seat again recently. This question may hide a big crisis that concerns everyone, why would it trigger a crisis?

The cause of this matter is still delayed retirement. Recently rumors abound about the delayed retirement program, China's overall men and women to delay the age of retirement to 65 years old. Although the program has not yet been finally announced, but the delayed retirement has been finalized. This program will obviously be a few happy and a few sad. The beneficiaries we will not say, you know. But those who feel the loss is definitely not in the minority, which may bring a large loss of social security contributions, increasing the pressure of pension payments.

Social security paid for 15 years, if you and the new employer to establish a labor relationship, you must continue to pay, otherwise the employer is a violation of the social insurance law; if flexible employment, whether to continue to pay in accordance with the wishes of individuals. But delaying retirement is not good news for flexibly employed people and manual laborers. Various experts are suggesting that if you have completed 15 years, do not stop contributing, and the more you pay, the more you receive. Look at those experts who have no worries about food and clothing, and who can still get money at the age of 65 by moving their lips, have they ever considered whether the flexibly employed and manual laborers can still find a suitable job after the age of 40? Paying for social security out of one's own pocket and being able to pay for it for 15 years is already not easy. If you delay receiving it for another five years, will your body be able to carry on? Will you be able to find a job? Can the income be stabilized? In addition, these people work in poor conditions, life expectancy may also be low, and naturally lose confidence in the insurance, which will accelerate the loss of social security contributors, brewing a crisis in the payment of pensions.

For flexible employment and manual laborers, social security full 15 years, in the end how to do? This is to analyze from the career prospects. after 50 years old, you can still have a stable job and income, you can consider continuing to contribute. After all, you can have a pension after retirement, not only relates to the independence and dignity of their old age life, but also affects the burden of life and happiness of their children; but there is uncertainty about the continuity of income, it is not recommended that you continue to contribute. You can consider the purchase of commercial pension insurance as a supplement: commercial pension insurance can be determined according to the age of the contribution period, according to personal wishes to determine the time to receive, according to the financial ability to determine the future amount of money to receive, to ensure the quality of old age, to achieve lifelong self-reliance.