Can an individual pay half of the old-age insurance after the age of 45?

After the age of 45, individuals cannot be exempted from paying half of the old-age insurance premium, and should pay the old-age insurance premium according to regulations.

Taking Zhengzhou as an example, according to Article 7 of the Detailed Rules for the Implementation of the Measures for the Basic Old-age Insurance for Urban and Rural Residents in Zhengzhou, the insured person chooses 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 700 yuan, 900 yuan, 1000 yuan and 1200 yuan in each natural year according to the payment standard stipulated in the measures. ?

Article 8 Urban and rural residents who reached the age of 60 on June 5438+February 3, 2009 (inclusive, the same below) may not pay the basic old-age insurance premium for urban and rural residents when they join the insurance, or they may pay the basic old-age insurance premium for urban and rural residents in one lump sum; Urban and rural residents under the age of 46 and 60 shall pay the basic old-age insurance premiums for urban and rural residents year by year, or they may pay them back.

However, the cumulative payment period shall not exceed 15 years; Urban and rural residents who have reached the age of 16 and are under the age of 46 shall pay the annual fee, and the cumulative payment period shall not be less than 15. If the insured person of this payment age has reached the age of 46 at the time of enrollment, he/she should pay the endowment insurance premium first 15. ?

According to the provisions of the "Measures", the insured who pay the basic old-age insurance premium for urban and rural residents on time and in full can enjoy the payment subsidy of the government 60 yuan (including provincial financial subsidies) every year. Government payment subsidies do not offset individual contributions. ?

Extended data:

Article 10 of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic old-age insurance, and the employer and employees shall jointly 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.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Xingyang Municipal Government —— Detailed Rules for the Implementation of Measures for Basic Endowment Insurance for Urban and Rural Residents in Zhengzhou City