The difference between 27-year and 30-year social security contributions

First, the difference between 28 years and 30 years of social security contributions

If I have worked for more than 20 years, less than 5 years (including 5 years) from the statutory retirement age, or have worked for more than 30 years, I voluntarily apply and can retire early after approval; Men over 50 years of age, women over 45 years of age, or people with more than 25 years of service can leave their posts early if they want and are approved by the organization. According to the personnel management authority approved by the relevant departments of the city, allowing early retirement.

Article 27 of the Social Insurance Law

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Second, the latest difference between 15 and social security payment for 20 years.

Pay more and get more when you retire, but at least pay 15 years. Pension insurance in social security, employees only need to pay 15 years before retirement. The minimum payment period of endowment insurance is 180 months, that is, 15 years. You can give more, and then you can get more. At the same time, the pension insurance can accumulate payment years, that is, intermittent payment is allowed. Medical insurance needs to be paid for at least 25/30 years, and you can apply for pension benefits and medical reimbursement when you reach retirement age.

Third, the difference between 27-year and 30-year old-age insurance.

1, the treatment is different, and the pension insurance treatment of 15 is not as good as that of 20 years. Because the longer the payment time, the better the treatment. 2, the degree of capital accumulation is different, personal account funds accumulated more in 20 years. The money collected in the future is a personal account, which is calculated according to the fund base and overall funds of the personal account. 3. The calculation method of interest is different (1). The basic old-age insurance premium is paid jointly by enterprises and individual employees: enterprises pay a certain proportion of the total average monthly salary of employees in the previous year, and individual employees pay a certain proportion of the average monthly salary of employees in the previous year (generally 8). (II) Urban individual industrial and commercial households, flexible employees and laid-off workers from state-owned enterprises who participate in the basic old-age insurance in their personal capacity shall pay the basic old-age insurance premium at a rate of 20% based on the average social wage of their province in the previous year, all of which shall be borne by themselves.

Fourth, the difference between social security for 20 years and 20 years

No need to pay, but there will be problems with medical insurance, because if you don't pay medical insurance for 25 years, you won't be able to enjoy free medical insurance after retirement. At the same time, although you have paid the minimum age 15, the age of payment is very important when you receive a pension. Most people's social security payment period is about 30 years. Yours is only 20 years. If your personal contribution is relatively low, you may get less than two-thirds of others' social security. So it has an impact on your retirement life. I suggest you continue to pay the fees until you retire. Specific pension algorithm: monthly pension = annual salary per capita value * payment period%+total personal payment/139 If the difference between 20 years and 30 years is about one third.

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