Shanghai is now paying the social security fund. Do you want to pay 15? If 15 can't do the work and don't pay back the money, can I get the paid money?

You won't pay less 15 years because of your age, and you don't have to worry about not enjoying a pension.

1. When you leave Shanghai, transfer the social endowment insurance relationship to your hometown or your own residence.

2. At the age of 60, you can enjoy the pension-related policies by making a one-time payment in the social security pension center where your hometown or residence is located to make up the difference in insurance premiums.

Example:

Male, 56 years old, paid social security for 3 years. When he reaches the age of 60, he has paid social security for seven years and paid the old-age insurance premium in one lump sum, which is 15 -7 years = 8 years. Please consult the local social security center for specific policies.

If you don't pay personally, you can only return the principal, but after 60, is there any financial guarantee?

It is recommended to continue to pay. Or change the old-age insurance to the old-age insurance for flexible employees, or the current residents' cooperative old-age insurance costs very little for one year, but the pension accounting will be affected in the future.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.