How to make up for interrupted pension insurance

Participants can choose to make retroactive contributions to restore the continuity of their pension insurance.

I. Understanding the policy and regulations

Before deciding to make a replacement payment, participants should first understand the local policy and regulations on replacement payments. Different regions may have different deadlines, amounts and methods for making retroactive contributions, so understanding the policy is the first step in making retroactive contributions.

The second step is to prepare the relevant materials

When making up the pension insurance, the insured person needs to prepare the relevant materials, such as identification, social security card, and payment records during the interruption period, etc. These materials will be used to prove that the insured person has paid the contributions during the interruption period. These materials will be used to prove the participant's identity and the interruption of contributions.

Three: Calculating the amount of retroactive contributions

Based on the length of the interruption and the local criteria for retroactive contributions, the participant can calculate the amount of retroactive contributions needed. The amount of retroactive payment usually includes the pension insurance premiums and late payment fees during the interruption period.

Fourth, choose to make up the way

There are various ways to make up the pension insurance, such as online make-up, offline make-up, and so on. Participants can choose the most convenient way to make up the payment according to their actual situation.

Fifth, submit the application for retroactive payment

After the participant has prepared the relevant materials and the amount of retroactive payment, he or she can submit the application for retroactive payment to the local social security department or pension insurance management organization. When submitting the application, you should double-check the information you have filled in to make sure it is accurate.

Sixth, review and processing

The social security department or pension insurance management organization will review and approve the submitted application for retroactive payment. After the audit, the continuity of the participant's pension insurance will be restored, while the amount of retroactive payment will be credited to the personal account.

In summary:

After the interruption of the pension insurance, the insured person can make the retroactive payment by understanding the policy and regulations on retroactive payment, preparing relevant documents, calculating the amount of retroactive payment, choosing the method of retroactive payment, submitting the application for retroactive payment, and waiting for the audit and processing. During the process of retroactive payment, participants should ensure that they provide accurate personal information and contribution records, and follow the local regulations.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 16 stipulates:

Individuals who have participated in the basic pension insurance shall receive a basic pension on a monthly basis if they have made contributions for a total of fifteen years by the time they have reached the statutory retirement age. Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the legal retirement age may contribute until they reach the full fifteen years, and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or the urban residents' social old-age insurance, and enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council.

The Social Insurance Law of the People's Republic of China

Article 86 stipulates:

If an employer fails to pay the social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay the premiums by a certain period of time or to make up the full amount, and shall charge a late fee of five ten-thousandths of one percent of the total amount of the premiums every day from the date of non-payment; and if the premiums are not paid after the expiration of the period of time, the administrative department shall impose a penalty of not less than twice and not more than three times of the amount of the unpaid premiums. triple the amount of outstanding fines.