How many years can social security be paid at most?

Social security contribution 15 years is the condition of receiving pension, which has the greatest influence on pension and medical insurance. Paying less 10 years of social security will reduce the pension, and paying less 10 years of social security will require medical treatment at your own expense. Commercial medical insurance can't replace employee medical insurance. You have to pay a certain number of years to enjoy lifelong medical insurance. Residents' medical insurance has no lifelong treatment, and they still have to pay after retirement.

Social security is divided into social security for urban and rural residents and social security for urban workers. Residents' social security generally only includes two types of insurance: residents' old-age insurance and residents' medical insurance, while employees' social security generally refers to five insurances and one gold, which mainly has these functions:

Old-age insurance: after the payment period is over, you can receive a monthly pension after retirement. Of course, the principle you follow is that the more you pay, the more you get;

Medical insurance: As the name implies, it is medical insurance reimbursement. If hospitalized, medical expenses can be reimbursed;

Maternity insurance: it mainly includes two items: one is maternity allowance, and the other is maternity medical care. For example, prenatal examination and reimbursement of delivery expenses (at present, maternity insurance in most areas has been included in employee medical insurance);

Unemployment insurance: mainly refers to involuntary termination of employment. Before unemployment, if the employer and I have paid unemployment insurance premiums for one year, they can receive a sum of money as compensation every month;

Work-related injury insurance: if you are injured at work or suffer from occupational diseases, you can apply for work-related injury identification and get corresponding compensation;

The above work-related injuries and unemployment are all small probability events. If you don't pay social security, the pension and medical insurance that everyone cares about have the greatest impact.

Many people think that they will not have to pay social security after 15 years, but it is not. Let's take an example to see what's the difference between paying social security less than 10 years:

10 How much will it be worse to pay less social security pension?

Conditions for receiving a pension:

If you reach the statutory retirement age and have paid 15 years or more, what is the specific difference if you pay less 10 years? Look at the calculation method of pension:

I can see that the main factors affecting the pension amount are:

Payment salary (that is, payment base) Payment period (including deemed payment period) Pension personal account balance at retirement In short, the higher the payment base and the longer the payment period of pension insurance, the more the pension account balance at retirement; When you retire, the higher the average salary in the previous year, the more pensions you receive.

What are the losses of paying less 10 years of medical insurance?

As a reimbursement product, medical insurance is to reimburse the medical expenses incurred when you are sick according to a certain proportion. To put it simply, the state helps to pay for medical expenses and reduce your living burden.

The most direct loss of paying less 10 years of medical insurance is that in this 10 year, all medical care will be at your own expense.

Seeing this, some people will say that I am young and healthy, and I can't be 1 seriously ill in one year. I don't really need medical insurance. I'm really worried. Just buy a commercial medical insurance.

You are wrong. Employee medical insurance is incomparable to any commercial medical insurance, and can only be regarded as supplementary medical care.

And since July last year, many provinces and cities have announced that their families can enjoy medical insurance. It can be said that one person can enjoy it with the whole family.

More importantly, if employees want to enjoy lifelong medical insurance benefits after retirement, then employees need to pay a certain number of years for medical insurance, which is generally 15-25 years. Of course, every city has different policies, such as:

Beijing and Tianjin require men to pay for 25 years, and women can enjoy lifelong medical insurance for 20 years; Shanghai, Guangzhou and Shenzhen need to pay 15 years; Hangzhou needs to pay for 20 years to enjoy lifelong medical insurance.

As for residents' medical insurance, there is no lifelong treatment. If you want to enjoy medical insurance reimbursement after retirement, you need to continue to pay residents' medical insurance fees every year.

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According to the laws and regulations of different regions and countries, the provisions of social security payment period and related restrictions are different. Generally speaking, the social security payment period refers to the longest time that an individual needs to pay social security continuously during his work. In China, according to national regulations, employees must pay social security 15 years to enjoy basic old-age insurance benefits. However, there may be different regulations for special industries or special situations. In addition, some local policies may also adjust the social security payment period. Therefore, it is recommended that you consult the local social security agencies or relevant departments to obtain the most accurate information and specific regulations. Please note that the above information is for reference only and is subject to relevant laws and policies.

Legal basis:

People's Republic of China (PRC) Social Insurance Law;

Chapter II Basic Endowment Insurance

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.