How to buy social security when you are 45 years old?

Social security can still be paid at the age of 45, and social security payment must be implemented in accordance with the relevant policies of the social security department where the unit or individual is located. According to the relevant provisions of the Labor Law, child workers under the age of 16 cannot participate in social security, and employees or individuals over the statutory retirement age cannot participate in employee social security. Among them, the legal retirement age is 60 for men, 55 for female cadres and 50 for female workers. Therefore, at the age of 45, you can still participate in employee social security. If there is a company, the employee's social security payment will be calculated monthly by the financial department of the company with reference to the social security payment ratio of the place where the enterprise is located, deducted from the employee's salary, and paid to the social security department by the enterprise where the employee belongs instead of the employee, and fed back to the employee's payroll.

If the payment is made in the name of an individual, the applicant should bring personal information such as his ID card and a recent bareheaded one-inch photo, and an application for paying social security in his own name to apply to the social security bureau where the account is located. The specific payment amount is determined according to the average monthly salary and payment grade of the employees where the applicant is located. Pension insurance payment period is 180 months, medical insurance payment period is 25 years for men and 30 years for women. Only after retirement can they enjoy pension treatment and medical expense reimbursement treatment. Therefore, we should remember to pay social insurance in full and on time during the usual payment process.

legal ground

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

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number. Article 64 Social insurance funds include basic old-age insurance funds, basic medical insurance funds, industrial injury insurance funds, unemployment insurance funds and maternity insurance funds. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.