What should I do if I don't pay enough for five insurances and one gold?

The solutions to the insufficient payment of five insurances and one gold are as follows:

1. If the old-age insurance and medical insurance have not reached the payment period, the payment can be extended until the payment period is reached, and the payment period can be extended by up to 5 years;

2. Before 20 11July1,if the extended payment period is still less than 15 years, the payment can be made in one lump sum;

3. If the social security is broken, you can pay back the social security that was broken before;

4. If the foreign household registration reaches retirement age, but the payment period is less than 10 years, it can only be paid back or renewed at the place where the household registration is located.

To apply for a basic pension, you must meet the following age conditions:

1, normal retirement: male over 60 years old, female cadres (management and technical posts) over 55 years old, and female employees (production and operation posts) over 50 years old;

2. Early retirement for special jobs: those who have been engaged in toxic and harmful jobs for 8 years, underground and high and low temperature jobs for 9 years, and engaged in high-altitude and particularly heavy manual labor for 10 years, are 55 years old for men and 45 years old for women;

3. Early retirement due to illness or non-work-related disability: if the city's labor ability appraisal Committee has completely lost the ability to work, the male is over 50 years old and the female is over 45 years old;

4. Policy-based early retirement: If the state and the province have special provisions on early retirement, the relevant provisions shall prevail.

The process of confirming the length of service before retirement is as follows:

1, the employee himself should write a written application about the length of service, explaining the real situation related to the length of service;

2. I need to provide my personnel files and related materials;

3. If the personal file is incomplete, it is necessary to provide the original and photocopy of the salary signature roster or the transfer procedures of the personnel and labor department, the introduction letter of administrative salary, the employee resume form and the employee registration form;

4, individuals or enterprises retired handling personnel, the above materials to the length of service examination and approval window staff, to identify the length of service.

To sum up, if the five insurances are not paid for 15 years, you can postpone your retirement and continue to pay for 15 years. If the social security payment still does not meet 15 years after 5 years of delayed retirement, it can be completed at one time.

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.