Pension is not enough 15 years can make up for it

Pension insurance can be made up. Pension insurance contribution period is cumulative calculation, if the person suspends the payment of pension insurance, after that can make up for the payment; if the person reaches the legal retirement age when the cumulative contribution is less than fifteen years, you can also make up for a one-time payment until the full fifteen years.

I. What is the standard of social security contribution period?

We usually say social security, mainly including: pension insurance and medical insurance. It is important to note that the minimum contribution period standards for pension insurance and medical insurance are different.

1. Pension insurance

Specifically, it includes: enterprise workers' pension insurance (including pension insurance paid by flexibly employed people) and urban and rural residents' pension insurance.

2. Medical Insurance

Specifically, enterprise employees' medical insurance (including medical insurance paid by flexibly employed persons) and urban and rural residents' medical insurance.

There is no national standard for the minimum number of years of contributions, which varies greatly from place to place. The minimum is 15 years, and the maximum is 30 years. In most areas, the main focus is around 20 to 25 years.

Second, the social security did not pay 15 years, can a one-time retroactive payment?

1. Pension Insurance

(1) Pension Insurance for Enterprise Employees

Normally, it is not possible to make a one-time supplemental contribution. You need to make monthly contributions until you have paid for 15 years before you can retire. However, if the pension insurance is in arrears due to non-personal reasons, retroactive contributions can be made after verification by the human resources and social welfare departments or in the case of a relevant court ruling. For example, if an enterprise is not doing well and has cut off its employees' pension insurance, the enterprise and the employees can make up for the pension insurance premiums that each of them should have borne.

(2) Pension Insurance for Urban and Rural Residents

When a participant reaches the age of 60 and has accumulated less than 15 years of contributions, he or she can choose to make a one-time retroactive contribution up to 15 years, and then apply for retirement and receive the urban and rural residents' pension.

2. Medical Insurance

(1) Enterprise Employee Medical Insurance

When the accumulated contribution period is lower than the minimum local medical insurance contribution standard when the participant retires, he/she can either choose to make up the contribution in one lump sum and enjoy the lifelong medical insurance treatment, or choose to make up the contribution on a monthly basis, and then enjoy the medical insurance treatment of the working employees until he/she pays up the minimum contribution period, and then enjoy the lifelong medical insurance treatment. The following is a list of the most important things you can do to make sure you get the right treatment for yourself.

(2) Urban and rural residents' medical insurance

Because urban and rural residents' medical insurance is a yearly contribution, paying one year's money, enjoying one year's residents' medical insurance treatment. Therefore, urban and rural residents' medical insurance, there is neither a minimum number of years of contributions required, nor a one-time retroactive payment.

Three, why can't the employee pension insurance one-time retroactive contribution?

Compared with residents' pension insurance, employees' medical insurance, residents' medical insurance, employees' pension insurance can not be a one-time retroactive payment, the main reasons are the following 2 points:

1. Employees' pension insurance contribution group, retroactive payment is easy to cause unfair

For most of the participants, the group of people who pay employees' pension insurance, the proportion is relatively high. If the policy of making up contributions is liberalized, it will be a bit unfair for those who make normal contributions as required.

2. Employee pensions are relatively higher than other entitlements, and retroactive contributions can easily cause pressure on the fund to pay

Compared with other types of social security, employee pensions are relatively high. If the liberalization of retroactive contributions, it means that there will be more people who do not have to pay social security when they are young, and when they retire, they pay for 15 years and receive a pension directly. In the long run, it will cause great pressure on the payment of the social security fund.

Legal basis

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

Article 12

The employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of the employees of the unit as stipulated by the state, and credit them to the basic pension insurance fund.

Employees shall pay the basic pension insurance premiums in accordance with the proportion of their own wages prescribed by the State and credited to their individual accounts.

Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employers, and other flexibly employed persons participating in basic pension insurance shall pay basic pension insurance premiums in accordance with the state regulations, which shall be credited to the Basic Pension Insurance Coordination Fund and to their individual accounts respectively.

Article 16

Individuals who have participated in basic old-age 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 reach 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 statutory 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 to the social old-age insurance for urban residents, and shall enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council.

Some Provisions on the Implementation of the Social Insurance Law of the People's Republic of China

Article 2

Individuals who have participated in the basic pension insurance for employees and who have accumulated less than fifteen years of contributions by the time they reach the statutory retirement age can extend their contributions until they reach the full fifteen years. Individuals who participated in the insurance before the implementation of the Social Insurance Law and whose contributions are still less than fifteen years after the extension of five years' contributions may make a one-time contribution until they reach the full fifteen years.

Article 3

If an individual who has participated in the basic pension insurance for employees reaches the statutory retirement age and has made contributions for less than fifteen years (including the extension of contributions in accordance with the provisions of Article 2), he or she may apply for transferring to the new type of rural social pension insurance or the urban residents' social pension insurance of the place where he or she is domiciled, and enjoys the corresponding pension insurance benefits.

If an individual who has participated in the basic pension insurance for employees reaches the statutory retirement age and has made contributions for less than fifteen years (including the extension of contributions in accordance with the provisions of Article 2) and has not been transferred to the new type of rural social pension insurance or the social pension insurance for urban residents, the individual may apply in writing for termination of the basic pension insurance relationship of the employee. Upon receipt of the application, the social insurance agency shall inform him/her in writing of his/her right to transfer to the new type of rural social pension insurance or urban residents' social pension insurance and of the consequences of terminating his/her basic pension insurance relationship, and upon his/her confirmation in writing, shall terminate his/her basic pension insurance relationship, and pay to him/her a lump sum of his/her personal account savings.