After paying 15, can I not pay social security if I have not reached retirement age?

You can't pay social security before you reach retirement age.

It is one of the basic conditions to receive a pension if the social security contribution reaches 15. However, if an individual fails to reach the statutory retirement age after paying 15, he cannot immediately retire and receive a pension. In this case, individuals should continue to pay social insurance until they reach the statutory retirement age. If you stop paying social security during this period, it will affect the pension benefits after retirement. Because the payment period of endowment insurance is not limited to 15 years, the specific period is stipulated by the local government, generally between 25-30 years.

/kloc-Conditions for continuing to pay social security after 0/5 years:

1./kloc-after 0/5 years of social security payment, you can continue to pay social insurance if you do not reach the statutory retirement age.

2. After reaching the statutory retirement age, if the accumulated payment of basic old-age insurance has not reached the prescribed period, you can choose to extend the payment.

3. If the delay is still less than the prescribed time limit after five years, it can be paid in one lump sum until it meets the conditions.

4 enterprise employees can apply for individual deferred payment, or transfer to the new rural social endowment insurance or urban residents' social endowment insurance.

To sum up, if the social security payment reaches the statutory retirement age after 15 years, individuals need to continue to pay social insurance to ensure that they can get better pension benefits after retirement. After reaching the statutory retirement age, if the accumulated payment of the basic old-age insurance is less than the prescribed number of years, individuals can choose to postpone the payment or pay in one lump sum until they meet the conditions.

Legal basis:

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

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.