What if ordinary people/kloc-have not paid enough social security for 0/5 years?

If the retirement age is less than 15, the fee can be paid for fifteen years; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance.

Social security is the core of China's social security system, aiming at providing people with various guarantees such as old-age care and medical care. For ordinary people who have not paid social security for 15 years, it is the most direct way to continue to pay social security. They can pay social security fees monthly or year by year according to the prescribed payment ratio and base by means of unit payment or individual payment until they reach the minimum payment period. One-time payment is a faster way, but it should be noted that not all regions allow one-time payment, and the amount paid may be relatively large, which needs to be weighed by individuals according to their own economic situation. Delayed retirement is suitable for those who want to continue working and pay social security. By delaying retirement, they can continue to accumulate social security years and enjoy the income brought by work during the extended period.

The payment ratio of five insurances is as follows:

1. Endowment insurance: 8% for individuals and 20% for units.

2. Medical insurance: the individual contribution rate is 2%, and the unit contribution rate is 10%.

3. Unemployment insurance: individual contribution rate 1%, unit contribution rate 2%.

4. Maternity insurance: the individual contribution rate is 0%, and the unit contribution rate is 0.8% to 1.4%.

5. Work-related injury insurance: the individual contribution rate is 0%, and the unit contribution rate is 0.2% to 1.4%.

To sum up, for ordinary people who have not paid social security for 15 years, there are many ways to protect their social security rights and interests. Individuals should choose the most suitable payment method according to their own situation and needs, plan their personal finances reasonably, and bear relevant expenses. At the same time, pay attention to policy trends in order to seize relevant opportunities in time.

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.