Is social endowment insurance paid continuously or cumulatively?

Legal analysis: Social endowment insurance is cumulative. According to the current regulations, if the accumulated payment period is over fifteen years, you can receive the old-age insurance money on a monthly basis after retirement. If the cumulative payment period is less than fifteen years due to intermittent payment, you can only receive a one-time pension. For those who pay the old-age insurance premiums intermittently, personal account pension and transitional pension will be directly affected when they meet the retirement conditions stipulated by the state and calculate the basic old-age insurance benefits.

Legal basis: Article 13 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the basic old-age insurance premium that employees of state-owned enterprises and institutions should pay during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.