I want to buy social security at the age of 56. Can I pay in one lump sum? How much will it cost altogether?

Someone asked such a social security question. 56 years old, want to buy social security. Can I pay in one lump sum? How much will it cost altogether?

Well, 56 years old, only four years before the legal retirement age of 60. If you buy employee social security, you will face the problem of delayed retirement because you can't pay social security in one lump sum before retirement. In your case, it is obviously not cost-effective to delay retirement to at least 7 1 year old to receive a pension.

Therefore, if you buy social security at this age, you can choose urban and rural residents' endowment insurance, because it is allowed to pay in one lump sum. As for how much you need to pay, it depends on your personal economic conditions. The minimum payment standard for urban and rural residents' old-age insurance is 200 yuan every year, and the maximum payment can reach several thousand yuan. Of course, the higher the payment, the higher the pension benefits.

If you pay the old-age insurance for urban and rural residents according to the minimum standard of 200 yuan, then you can pay about 3,000 yuan in one lump sum, plus the subsidy given by the government, the money in your personal old-age insurance account is more than 3,000 yuan.

The pension for urban and rural residents consists of basic pension and personal account pension, in which the basic pension, that is, 88 yuan, affects the level of personal pension, mainly the balance in the personal account of endowment insurance. If you pay the old-age insurance according to the minimum 200 yuan, the pension you get after retirement is 100 yuan.

Finally, it is necessary to plan the pension as soon as possible, and don't wait until retirement, because there is no way to pay it back like employee social security, and it would be a pity to miss it.