Minimum payment period of social security for delayed retirement

The state requires the implementation of the delayed retirement policy, with the aim of reducing the pressure on the endowment insurance fund. Social insurance is an important part of the social security system and occupies a core position in the whole social security system.

First, the relationship between delayed retirement and social security

Delayed retirement is only the delay of retirement age, which has nothing to do with the payment of pension insurance and does not affect the payment and calculation of pension. The more you pay for social security, the more you will get when you reach retirement age.

1, only the personal treatment of pension insurance is suitable for the payment of wages. The more you pay, the higher the payment index and the more pensions you receive when you retire. Although the payment used to be low, it is now high, and the average index is needed when calculating the treatment.

2. The pension insurance must be paid at least 15 years, and you can enjoy the pension for life until retirement. If you are a male, it is exactly 15 years from now to retirement, and you can guarantee to receive a pension every month after retirement; If you are a female (retired at the age of 50 or 55) and haven't paid 15 years by the time of retirement, you can apply for an extension of retirement to pay the unexpired years. After the formal retirement formalities, your monthly pension will not be affected. If you don't want to postpone retirement, you can also choose to pay in one lump sum.

Second, the current policy of delaying retirement.

The current retirement policy is still the Interim Provisions on Retirement and Resignation of Workers and the Interim Provisions on Resettlement of Old, Weak, Sick and Disabled Cadres 1978.

The specific retirement age of workers is generally 50 for female workers, 55 for female cadres and 60 for male workers. But this is only a small condition.

Workers who are engaged in special types of work and meet the corresponding years, gay men retire at the age of 55 and lesbians retire at the age of 45. Lose the ability to work, gay men are 50 years old and lesbians retire at 45.

In addition, it also involves the resignation of losing the ability to work before reaching the retirement age. There is also the issue of disability allowance and nursing expenses for injured workers, ranging from/kloc-0 to 4.

Third, the trend of delaying retirement.

In fact, the biggest possibility in the future is flexible retirement or flexible retirement. Because there is no pressure in either scheme. In fact, after the current retirement age policy, you can choose the retirement age at will. Willing to postpone retirement. They may want to get a higher pension or keep a higher salary, but at least they have reduced some supply pressure and increased their pension income.

The crux of delaying retirement lies in the pressure of providing for the aged. Lesbians retire at 50. According to the current school age, I went to primary school at the age of 6, graduated from university at the age of 22, and worked for only 28 years. The pension benefits are increasing year by year, and after the death of the insured, there are corresponding funeral pension benefits.

Legal objectivity:

After the implementation of the Decision of the State Council on Establishing a Unified Basic Old-age Insurance System for Enterprise Employees, employees who have participated in the work will be given a basic pension on a monthly basis after retirement, and the cumulative individual payment period is 15 years. China's basic old-age insurance system is an old-age insurance system with diversified sources of funds, multiple levels of security, the combination of social pooling and personal accounts, corresponding rights and obligations, and socialized management and services. The old-age insurance for enterprise employees should implement the principle of combining social mutual assistance with self-protection and combining fairness with efficiency, and the level of protection should be compatible with the development level of social productive forces and the affordability of all aspects in China. 1. Article 5 of the Decision of the State Council on Establishing a Unified Basic Old-age Insurance System for Enterprise Employees stipulates: "After the implementation of this decision, employees who join the work will be paid a basic pension on a monthly basis if their personal contribution period reaches 15 years after retirement. Basic pension consists of basic pension and personal account pension. When retiring, the monthly standard of basic pension is 20% of the average monthly salary of employees in the province, autonomous region, municipality directly under the Central Government or prefecture (city), and the monthly standard of personal account pension is the amount stored in my account divided by 120. If the individual payment period is less than 15 years, he will not enjoy the basic pension after retirement, and the amount stored in his personal account will be paid to him in one lump sum. Those who have retired before the implementation of this decision will still be given pensions according to the original provisions of the state, and the pension adjustment measures will be implemented at the same time. All regions and relevant departments should further improve the normal adjustment mechanism of basic pensions in accordance with state regulations and conscientiously implement them. " 2. The Decision of the State Council on Perfecting the Basic Old-age Insurance System for Enterprise Employees further clearly stipulates: "After the implementation of the decision of the State Council on establishing a unified basic old-age insurance system for enterprise employees (Guo Fa [1997] No.26), if the accumulated payment years (including deemed payment years, the same below) have reached 15 years, the basic pension will be paid monthly after retirement. Basic pension consists of basic pension and personal account pension. The monthly standard of basic pension at retirement is based on the average monthly salary of local employees in the previous year and my indexed monthly salary, and the payment is paid to 1% every1year. The monthly standard of personal account pension is the amount of personal account storage divided by the number of months, which is determined according to the average life expectancy of urban population and its retirement age and interest when employees retire. Personnel who participated in the work before the implementation of document No. The State Council [1997] No.26, and retired after the implementation of this decision, and the accumulated payment period has reached 15, transitional pension will be given on the basis of basic pension and personal account pension. The people's governments of all provinces, autonomous regions and municipalities directly under the Central Government shall, in accordance with the principle of reasonable convergence of treatment levels and smooth transition of old and new policies, formulate specific transition measures on the basis of careful calculation and report them to the Ministry of Labor and Social Security and the Ministry of Finance for the record. After the implementation of this decision, if the retirement age is reached but the payment period is less than 15 years, the basic pension will not be issued; Personal account storage amount is paid to me in one lump sum, and the basic old-age insurance relationship is terminated. If you have retired before the implementation of this decision, you will still be given a basic pension according to the original provisions of the state, and the basic pension adjustment measures will be implemented at the same time. "