Can the old-age insurance be renewed directly if it is broken?

If the endowment insurance is broken, it can be renewed directly.

Endowment insurance is a social security system and one of the statutory social insurances. Individuals should pay endowment insurance premiums according to regulations. If the individual pension insurance fails to make up the file, it will affect the individual's payment period and pension benefits, and it is not recommended to make up the file.

If the old-age insurance has been suspended for less than 5 years, it can be renewed directly, but it is necessary to pay the old-age insurance premium and late payment fee during the suspension period. If the old-age insurance is interrupted for more than 5 years, it needs to be re-insured, and the old-age insurance premium shall be paid from the date of re-insurance. The specific operating procedures and payment standards may vary from region to region. Relevant regulations suggest consulting the local social security department or social security card service center.

Supplementary endowment insurance needs to meet the following conditions:

1. Participated in the old-age insurance: Only those who participated in the old-age insurance are eligible to make up the old-age insurance. Those who have never participated can't make up the old-age insurance;

2. Payment time is not full: if the insured time is not enough 15 (male) or 10 (female), you can choose to supplement the old-age insurance. If the payment time requirement of endowment insurance has been met, it does not need to be supplemented;

3. No more than 60 years old: the person who pays the old-age insurance can't be over 60 years old, otherwise he can't enjoy the old-age insurance benefits;

4. The time interval of payment is no more than 2 years: if you have participated in endowment insurance before and stopped paying for a period of time not exceeding 2 years, you can choose to pay back the endowment insurance. If the payment interval exceeds 2 years, it is irreparable.

To sum up, the specific provisions of supplementary endowment insurance may vary from region to region and from situation to situation. In order to ensure your rights and interests, it is best to consult the local social security bureau or social security consulting service agency. At the same time, supplementary endowment insurance also needs to be paid in accordance with relevant regulations, and the amount and standard of payment may also vary according to regions and situations.

Legal basis:

Article 16 of People's Republic of China (PRC) Social Insurance Law

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 17

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.