Is it better to pay the five risks early or late?

Legal analysis: Different treatment: The sooner you pay five insurances and one gold, the sooner you can enjoy social security benefits. When you retire, you pay more accumulated balances than you pay later, and you will receive more pensions. The minimum payment period of endowment insurance in the five insurances is 15. You can enjoy endowment insurance only after paying 15, but you don't have to pay 15. Medical insurance, maternity insurance and industrial injury insurance need to be paid until retirement. After retirement, you can enjoy medical insurance benefits, and work injury and maternity insurance will automatically expire because of retirement. Unemployment insurance can enjoy unemployment insurance benefits only by paying 1 year. If the accumulated payment time of unemployment insurance is over 1 year but less than 5 years, the longest period for receiving unemployment insurance benefits is 12 months; If the accumulated payment time is less than 5 years 10 year, the time limit for receiving unemployment insurance benefits is 18 months; If the accumulated payment time exceeds 10 years, the period for receiving unemployment insurance benefits is 24 months. Among them, five insurances can be interrupted, and the interruption of endowment insurance does not affect. As long as the accumulated payment is over 15 years, you can enjoy pension benefits. Once the medical, maternity and work-related injury insurance is interrupted, it will be invalid and you can no longer enjoy the relevant insurance services.

Legal basis: Article 27 of the Social Insurance Law of People's Republic of China (PRC), if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment reaches the number of years stipulated by the state, he will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits according to the state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.