Can I still buy social security at 47? My wife hasn't paid social security. Can I make it up now? What should I pay attention to?

It is certainly possible for your wife to apply for employee social security at the age of 47, but it is a little late in time. It may take about 8 years to meet the minimum payment requirement of 15, which means it will take about 62 years to apply for retirement. Now share my personal opinion with you:

First, at the age of 47, employee social security can only be paid year by year, not once. According to China's current retirement conditions, that is, the legal retirement age must be reached, and the pension insurance payment should reach 15 years. According to this regulation, the retirement age of female flexible employees who pay employee pension insurance is 55 years old. However, reaching the statutory retirement age and the minimum pension insurance payment period are 15 years, which need to be met at the same time. When your wife is 55 years old, the pension insurance payment is only 8 years, and there are still about 7 years before the payment reaches 15. According to Ministry of Human Resources and Social Security (20 16)No. 132, flexible employees can't increase the payment period by one-time payment. If you can't pay in one lump sum, you can only pay the fee year by year. When you pay the fees year by year, your wife will be 62 years old.

Second, although the retirement age is 62, it is still more cost-effective than paying endowment insurance for urban and rural residents. If you need to be 62 years old to retire, it will be about 7 years later than the normal legal retirement age, but there is nothing you can do, mainly because it is too late to join the insurance. However, compared with the payment of endowment insurance for urban and rural residents, it is only two years late. Both men and women are 60 years old when they receive endowment insurance for urban and rural residents. However, due to the relatively low contribution of urban and rural residents' old-age insurance and low pension benefits, the goal of providing for the elderly can not be achieved basically. Therefore, from the perspective of providing for the aged, it is more cost-effective to pay the endowment insurance for urban workers. Although I will retire in two years, my pension is much higher after all.

Third, matters needing attention. First, the endowment insurance for urban workers can only be handled in the streets or township social security service centers where the household registration is located, and of course it can also be handled online; Two, the old-age insurance for urban workers to the provincial people's government announced the average monthly salary of employees as the base, the payment base can be selected between 60% and 300%. It is suggested that it is more cost-effective to pay according to 60%, and financial preparation is needed. The annual payment is about 65438+100000 yuan, and there is no need to cut off the supply. If the retirement age is broken again, it may be delayed in the future; Third, the payment method can only be paid year by year, not once.

Conclusion To sum up, your wife is 47 years old and has never applied for employee social security. Of course, she can also apply now, but because employee social security cannot be paid in one lump sum, it needs to be paid year by year, so she can't retire until she is 62 years old. Although the retirement age is relatively late, due to the relatively high payment standard, the future pension will be relatively high, which is more cost-effective than handling the endowment insurance for urban and rural residents.