What should I do if I don't pay enough social security after retirement?

The solution to retirement before social security contributions are insufficient is as follows:

1. Allow deferred payment to 15. When the insured reaches retirement age, if the pension payment period is less than 15, the difference can be made up in one lump sum.

2. If the payment is still less than 15 years after the extension, you can apply to transfer from the basic old-age insurance for urban workers to the basic old-age insurance for urban and rural residents and enjoy the corresponding old-age insurance benefits.

3. You can also apply in writing to terminate the basic old-age insurance relationship for employees. The social security agency will return the principal and interest of the old-age insurance premium it has stored to me in a lump sum according to the regulations, but it will keep the record of the previous payment, and all personal records such as the amount stored in the personal account and the payment period will be kept and will not be cleared.

The social security transfer process is as follows:

1. Insured personnel need to go to the new social security insurance place first, establish the basic insurance pension relationship, and pay the fees according to relevant laws and regulations. After that, the employer and the insured need to submit a written application to the new social security institution to continue the pension insurance relationship;

2. In the new social security insured place, the relevant institutions will review the transfer application within 15 working days. If the application is approved, they will send an admission notice to the original social security agency and submit the relevant information received. If you don't meet the requirements, you will also be given a written explanation;

3. After receiving the acceptance letter, the relevant institutions in the original social security insurance area will complete the transfer and connection procedures within 15 working days;

4. The new insured institution will verify everyone's basic endowment insurance relationship and related funds, and go through the formalities within 15 working days.

To sum up, different regions and different types of company social security may have different specific operation processes, and the specific operation needs to be carried out according to local regulations and actual conditions.

Legal basis:

Article 3 of People's Republic of China (PRC) Social Insurance Law

The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development.

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.