Social security has been paid for 15 years. Do I need to go to the social security bureau to stop paying?

If a company has paid 15 years, but the employees have not retired, the enterprise needs to continue to pay until retirement; Individuals who pay social security can stop paying or continue to pay.

Endowment insurance follows the principle of "pay more and get more". The higher the payment base, the longer the service life, and the more pensions you receive when you retire.

So the conclusion given here is that it is best not to stop paying. If you don't continue to pay after 15, your payment period is only 15, which means you can only receive the minimum pension standard. Therefore, it is not the most "favorable" behavior not to continue to pay after 15.

The following are the precautions for stopping paying social security:

First, both employees of enterprises and individuals with flexible employment need to go through the formalities of stopping insurance.

Enterprise employees can surrender their insurance in official website, the local human resources and social security bureau, and be handled by the company's personnel Commissioner. Flexible employees stop insurance. Generally, I bring my ID card/social security card to the social security center window to handle it.

If you don't pay or stop insurance, the social security system will automatically query the current expenses, which will naturally produce a "red account". The so-called "red account" is the social security details owed by the unit or you personally. Starting from the next month, a late fee of five ten thousandths will be levied every day. This late payment fee will be higher and higher as time goes on.

Therefore, it is suggested that those who have stopped paying social security should go to the Social Security Bureau to go through the formalities of stopping paying social security in time to avoid becoming "red account" personnel.

Second, there is nothing special to pay attention to when stopping insurance, but the decision to stop insurance itself should be cautious for the following reasons:

First of all, many people have a misunderstanding that 15 years of social security payment is enough. In fact, 15 years is only the shortest retirement period. The longer the payment period, the more pensions you receive, and the relationship between pension and payment period is exponential. After retirement, the pension will basically increase at a rate of 5% per year, and the absolute value of the increase depends on the pension level of the year you retire. With the increase of years, the gap between a retired employee who has paid social security for 30 years and an employee who has paid 15 years is getting wider and wider.

Secondly, if you want to enjoy the medical insurance reimbursement for urban workers for life after retirement, you must pay at least 20 years (female) or 25 years (male) of medical insurance. We must take a long view. In the future, medical insurance benefits are far more important than pensions. It is normal for a serious illness to cost hundreds of thousands. If there is no medical insurance reimbursement, the pension that may be received is not enough to pay.

Of course, if the medical insurance period is not enough, it can be paid back in the month of retirement, and the cost of repayment is much higher than that of monthly payment. Therefore, it is a reasonable choice for male employees to pay social security for at least 25 years and female employees to pay social security for at least 20 years. Pay/kloc-stop fidelity in 0/5 years.

Finally, if you are an employee of an enterprise, no one/organization has the right to ask you to stop insurance as long as you are still performing your duties normally in the enterprise (under retirement age and not taking sick leave). This is a hard rule written in the social insurance law, otherwise it is illegal.

Third, flexible employees must remember to pay social security for five years before retirement, and don't stop insurance.

Flexible employees who have paid social security five years before retirement can enjoy "social security subsidies for people with employment difficulties", with the subsidy ratio of more than 50%, with a maximum of 2/3 and a maximum of five years. This is very cost-effective. Meet the age requirements, pay social security normally, and enjoy it basically. The process is relatively simple, just consult the people's social department of the street where the household registration is located.