Can I still pay social security at the age of 46

It is entirely possible to buy social security at the age of 46. Because according to our national social security law, the minimum purchase time must be 15 years. According to the retirement time of men at the age of 60. Retirement can only be postponed for one year at most. Therefore, in order to support the elderly, we must purchase social security in time. Now I have bought 15 years in a row, and I can get 1000 several hundred yuan every month when I retire. Can improve their economic level in their later years.

Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

First, the accumulated social security payment is enough 15 years to enjoy the retirement pension. I am 45 years old and pay 15 social security. I can get a pension when I retire at the age of 60, which just meets the minimum social security payment requirements for receiving a pension. But after all, the social security payment time is short, and the pension received will be low. However, with the guarantee of monthly pension, we can basically meet the needs of life, eliminate a lot of worries, and retire more easily.

Second, if you pay social security, you can pay medical insurance after retirement and enjoy employee medical insurance. Pay social security and pay medical insurance. After paying the fixed number of years stipulated by the state, you can enjoy lifelong medical insurance after retirement, and you don't have to pay it again. If you haven't paid enough years to enjoy lifelong medical insurance by retirement age, you can make up enough medical insurance at one time according to the relevant years, so you can also enjoy lifelong medical insurance.

Third, with the development of the national economy, pensions are increasing year by year.

The amount of retirement pension is divided into two parts, one part is related to retirement age and annual payment, and the other part is related to the average salary of local employees in the previous year when they retire. Therefore, with the prosperity of the national economy, the average wage of employees has increased, the retirement wage has also increased year by year, and the pension will also increase frequently, from 2005 to 20 18. Pension has increased by 14. From 2005 to 20 15, the annual per capita increase of pension has reached more than 10%. From 20 16 to now, the annual per capita growth rate is also above 5%, and the retired elderly have better shared the fruits of the country's economic development, ensuring that the retired elderly have a sense of security and protection.

legal ground

People's Republic of China (PRC) social insurance law

Eleventh basic old-age insurance to implement the combination of social pooling and individual accounts.

The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government.

When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.