What to do if you have only paid for 6 years

Hello. First, continue to contribute until you reach 15 years.

At present, although you have reached the legal retirement age, but because of the pension insurance only 6 years, according to the provisions of the social security law, the minimum number of years of pension insurance contributions need to reach 15 years in order to apply for retirement, so you need to continue to contribute 9 years in order to meet the conditions of retirement, if you are a man you need to be 69 years old, if you are a female worker you need to be 59 years old, women flexibly employed you need to be 64 years old in order to apply for retirement, you need to be a woman, you need to be a woman. If you are a male, you need to be 69 years old; if you are a female employee, you need to be 59 years old; and if you are a female flexible employee, you need to be 64 years old. In the case of the current situation does not allow a one-time contribution, continue to pay the pension insurance is the only choice.

The first is to pay for the social security of 6 years, these three ways to solve the problem

Second, transfer to the urban and rural residents of the pension insurance.

Since your contribution period is only 6 years, there are still 9 years to go before the minimum contribution period of 15 years, so it is impossible to retire on time, so transferring to the urban and rural residents' pension insurance is also an option. According to the provisions of the urban and rural residents' pension insurance, for people who have less than 15 years of contribution period, they can make contributions year by year, or they can make one-time contributions, and the maximum number of years of contributions will not be more than 15 years. If you transfer to the urban and rural residents' pension insurance, you can make one-time contributions for the remaining 9 years of pension insurance in accordance with the provisions of the urban and rural residents' pension insurance, and you can make contributions for the remaining 9 years of pension insurance in accordance with the provisions of the urban and rural residents' pension insurance, and you will be able to make up for the 6 years of contributions after making up for the 9 years of the urban and rural residents' pension insurance. After the nine years of retroactive contributions, the previous six years of contributions to the Employees' Pension Insurance can be counted as years of contributions to the Urban and Rural Residents' Pension Insurance, and after the cumulative total of contributions reaches 15 years, the basic pension can be received in accordance with the provisions of the Urban and Rural Residents' Pension Insurance. Although the pension level of urban and rural residents pension insurance is a little lower, but this is no way out, a pension is better than no pension, and as long as you make up the contributions, in accordance with the highest standard announced locally to make up the contributions, the level of the pension will not be too low.

Retirement age to the social security only paid 6 years, these three ways to solve the problem

Third, for the surrender.

If you continue to pay the employee's pension insurance, you need to delay 9 years before retirement, which is very uneconomical, transferred to the urban and rural residents pension insurance, the pension may be a little lower. If you are not interested in either of these two options and cannot achieve your goals, then surrendering the insurance is a last resort. When you reach the legal retirement age, according to the Social Security Law, if you do not want to continue to pay the social security fees when you reach the legal retirement age, you can withdraw from the insurance. However, only 8% of the individual's contribution can be refunded, the unit's contribution cannot be refunded, and if it is paid by a flexibly employed person, only about one-third of the paid fees can be refunded. So it is not cost-effective to surrender.