The legal retirement age and social security period are not enough.

To understand the social security situation, understand the local social security policies and regulations, and choose the appropriate solution according to your actual situation.

First of all, workers should be clear about their current social security payment, including the number of years paid and the amount paid. This information can be obtained by querying the personnel department or social security agency of the unit. Knowing your social security situation is the first step to solve the problem.

Secondly, workers should understand the provisions of local social security policies on retirement. Different regions may have different retirement ages and social security years. Generally speaking, when workers reach the legal retirement age, they may not be able to enjoy full pension benefits if the social security period is insufficient. Therefore, workers need to consider whether they need to continue to pay social security or take other measures to make up for the shortage of social security years according to their actual situation.

There are several possible solutions for employees with insufficient social security years. One is to choose to continue working, pay social security and extend the payment period of social security. This may require workers to negotiate with their units or look for new job opportunities. The other is to choose to pay social security fees in one lump sum to make up for the lack of years. However, this approach may require workers to bear greater economic pressure. Another option is to switch to endowment insurance for urban and rural residents. Although the salary may be low, it can guarantee the basic needs of life.

When choosing a solution, workers should fully consider their own economic situation, health status, family needs and other factors, and make a decision after weighing the pros and cons. At the same time, workers can also consult professional social security consultants or lawyers to get more detailed and accurate advice.

To sum up:

When reaching the legal retirement age, but the social security period is not enough, workers should know their social security status, local social security policies and regulations, and choose appropriate solutions according to their actual situation. Whether to choose to continue working, pay in one lump sum, or switch to endowment insurance for urban and rural residents needs careful consideration and decision.

Legal basis:

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

Article 16 stipulates:

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.