Excuse me, my mother is 53 years old, so it is not cost-effective to buy a social security plan now.

It's really a little late to start working at the age of 53 and let an employer pay social security. Faced with this situation, we want to enjoy pension benefits in the future, and we can have the following options:

First, delay retirement.

According to the provisions of China's Social Insurance Law, if the social security contribution is less than 15 years after reaching retirement age, you can postpone your retirement and continue to pay.

However, it is very troublesome for individuals to continue to pay by means of flexible employment insurance, and it is impossible to continue to pay by means of enterprise employees. Mainly according to the "Detailed Rules for the Implementation of the Labor Contract Law", the labor contract is terminated after reaching the retirement age, so enterprises can't pay for workers who are over the retirement age.

Moreover, at the age of 53, if you want to retire and receive pension benefits, you need to wait until you are at least 68 years old. There are too many uncertainties. So few people want to choose to postpone retirement.

Second, pay endowment insurance.

In 20 16, Ministry of Human Resources and Social Security issued the Notice on Further Strengthening the Management of Income and Expenditure of Enterprise Endowment Insurance Fund, requiring individual industrial and commercial households and flexible employees not to increase the payment period by making up afterwards. The corresponding payment policies have been cancelled one after another in various places.

At present, the only remaining payment method is enterprise payment. If the enterprise fails to pay the social security in time due to the illegal behavior of the enterprise, it shall bear a late payment fee of 0.5 ‰ every day, which will be included in the reputation of the enterprise in the future.

53 years old, must have worked in some enterprises before. We can confirm the labor relationship by reading the payroll of the enterprise at that time, and then pay back the money. But the limitation of labor inspection is two years. If the limit is exceeded, only the employer can be coordinated.

The third is to turn into endowment insurance for urban and rural residents.

In fact, in our country, the endowment insurance for urban workers and urban and rural residents can be connected with each other. However, the payment period of employee pension insurance can be regarded as the payment period of urban and rural residents' pension insurance, but it cannot be regarded as the payment period of employee pension insurance.

All the money paid by residents' pension insurance goes into personal accounts, and only the part paid by enterprise employees goes into personal accounts.

In this case, if merged, the overall contribution made by the enterprise will have nothing to do with the individual and suffer more.

Laborers can coordinate with enterprises, avoid paying endowment insurance by signing part-time employment or labor outsourcing, and at the same time improve wages.

However, in the future, perhaps our employee pension insurance and resident pension insurance will be integrated into one insurance. For each month of employee pension insurance payment, one month's treatment can be calculated according to the calculation method of employee pension insurance. This way, you won't suffer, and your pension will definitely be made up by the time you are 60.

However, the improvement of the policy is still relatively slow, and I hope the country can implement it as soon as possible. At present, it is more appropriate for many people to get some salary.