The Best Scheme of Paying Social Security at 48

The best scheme for paying social security at the age of 48 is as follows:

1, apply for 4050 policy: 48 years old belongs to the scope of 4050 policy, and you can apply for social insurance subsidies given by the state after three years;

2. Continue to pay social security: even if you start to pay social security at the age of 42, it is cost-effective, because you can receive the basic pension on a monthly basis after you have paid 15 years;

3. Enjoy the subsidy policy: those with poor conditions, lack of labor skills and unable to find a job can enjoy the subsidy of paying 60% to 80% less social security fees every year;

4. Payment of social security: If the cumulative payment at the statutory retirement age is less than fifteen years, it can be paid back to fifteen years before receiving the basic pension.

The strategic choice of social security payment;

1. Choose the appropriate payment base: Choose the appropriate payment base according to the personal income level, not only to ensure the future pension level, but also to consider the current economic affordability;

2. Pay back the social security: If there is any previous payment, you can consider paying back the social security to meet the minimum payment period to ensure that you can receive the pension smoothly;

3. Consider paying full social security: paying full social security includes not only old-age insurance, but also medical, unemployment, work injury and maternity insurance to fully protect your rights and interests;

4. Understand the preferential policies: different regions may have preferential policies for social security payment for specific age groups, which should be understood in time and used reasonably;

5. Planning the life after retirement: According to the expected retirement demand, rationally plan the social security payment plan to ensure the quality of life after retirement;

6. Consulting professionals: Due to the complexity of social security policies and changes with regions, professionals can be consulted to get personalized payment suggestions.

To sum up, the best way to pay social security at the age of 48 is to apply for the 4050 policy, continue to pay social security and enjoy the subsidy policy. If the conditions are not good, you can pay back the social security and receive the basic pension after 15 years.

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.