New Social Security Rules! How do I make up my pension payments? See here!

Nowadays, with the development of the economy, everyone's income has generally increased, the standard of living compared to the previous also has a great improvement, at the same time, we also consider the longer term, not only hope that the current standard of living to improve, but also hope that in the future after the retirement, the quality of life will not be reduced because of the reduction of income, so there are more and more people recognize the importance of pension insurance.

We all know that the need to receive a pension after retirement needs to meet two conditions, one is the social security minimum contribution period of 15 years, and one is to reach the legal retirement age. However, due to the basic pension insurance system in China is only 20 years, coupled with a lot of company contributions are not active, there are also many people who are young and do not realize the importance of social security, resulting in a lot of people now in the insurance when the age of older, resulting in the retirement age after reaching the age of 15 years because of failure to meet the number of years of contributions, and there is no way to apply for the retirement formalities. If this happens, is there still a chance to make up the pension insurance? What kind of replacement materials are needed to make up for the employee pension insurance?

I. What kind of materials are needed to make up for the employee's pension insurance?

There is a prerequisite that needs to be met to make up for the payment of pension insurance, and that is that your former work unit has a history of paying but not paying social security. If you have a history of working in a unit and the unit has not paid the social security according to the regulations, we can ask the unit to make up the social security contributions for ourselves. Through the social security contributions, you can increase the number of years of social security contributions, and successfully apply for retirement procedures at the normal retirement age. However, it is important to note that the unit must submit a written application to the social insurance agency in the place where the defaulting unit is insured. So what materials do you need to prepare?

When applying for retroactive payment, the employer should provide the original files, labor contracts, salary vouchers and other original materials related to the conditions of retroactive payment. The employer is responsible for the authenticity and legality of the information provided in the application for retroactive contributions, otherwise the employer will be held legally liable if problems arise.

But those who are over the legal retirement age and those who have already retired can't make up the contributions.

So, while we are still young, for future plans, in addition to the basic pension insurance, there are many people will choose to buy commercial pension insurance, because, the basic social pension insurance can only let us eat, wear warm, but modern people for material requirements, has long been more than that, the basic pension insurance is far from being enough, and commercial pension insurance is the basic pension insurance, supplement, then the commercial insurance and social security insurance is not enough. Supplementary, so what is the difference between commercial insurance and social security? What are the advantages?

Two, what is the difference between commercial pension insurance and basic pension insurance?

1) the time of payment is different, social security contributions to the time of the general minimum requirements need to pay enough 15 years, and the need to pay on a continuous basis, but the time of payment of commercial pension insurance is relatively flexible, we can choose according to their own situation, you can pay a one-time payment can also be divided into three years, five years, and so on, a different time of payment.

2) The time to receive is different, for the basic pension insurance, you can only receive insurance benefits after retirement, if you delay retirement for one year, it is equivalent to pay one more year of pension insurance, relatively less pension. If you delay retirement more, it is equivalent to more compensation, while the commercial pension insurance is more flexible, we can set a time to receive according to their own situation.

3) The contribution ratio is different, a small part of the basic pension insurance is paid by the individual, there is a large part of the company to pay, but in the retirement pension, the calculation of the base is also an average. The commercial pension insurance is by the individual to pay all, the individual to enjoy all.

4) the rate of return of the algorithm is different, the rate of return of the basic pension insurance changes are very large, assuming that the death of a person before retirement, you can receive the account of the part of the individual to pay, if it is not long after the retirement of the death of a person, you can receive the funeral expenses and personal account of the money, the above two kinds of, the return is relatively low, and there is another kind of is to live a long time, the higher the return, every year you can receive a certain amount of Pension, but none of the costs will be a lot, but the rate of return of commercial pension insurance is very stable in comparison, usually in a few years after the capital can be returned, after this are earned.

So, to summarize, the basic pension insurance if in the case of longer life is still more cost-effective, while the commercial pension insurance is a stable income, commercial pension insurance for the basic pension insurance is a very effective supplement, the combination of the two is more reliable. If you still want to know more about the relevant knowledge of the pension insurance, you can search in Baidu "Baojun", "Baojun" has a professional insurance insurance consultant, can help you learn more about insurance knowledge, to provide you with one-on-one consulting services, to help you The first thing you need to do is to get a good deal on a new product, and then you can get it back.