15 social security has not been paid. What should I do when I reach retirement age?

Social security is not paid enough. /kloc-When reaching retirement age in 0/5 years, the salary is as follows:

1, continue to pay.

Make up the missing years of social security. After payment, you can go to the relevant departments or enterprises to go through retirement procedures, and you can get a pension in the second month after your retirement age birthday.

2. Delayed retirement

Those who can't afford it have reached retirement age and can only postpone retirement. Continue to pay social security fees every year, and receive the pension after completing 15 years.

Step 3 choose to surrender

If you can't continue to pay back in that year, you can choose to return the social security paid in previous years. In this way, the social insurance premiums paid in previous years can be refunded. As for the refund process, the previous social security money actually went into two accounts, one is a personal account, and the other is an overall pension account.

After applying for surrender, I received money from my personal account. This is how the social security money I paid before was distributed, of which 65% went into the overall insurance account, that is, the national account, and 35% went into my personal account. After surrender, 65% of the money entered into the national account can't be withdrawn, and only 35% of the money in the personal account can be withdrawn, which is the money paid back to the previous social security.