Can I wait until retirement after paying social security 15 years? How long does it take to pay?

These are two questions. Let's answer them separately. First of all, can I wait for retirement after paying social security 15 years?

The situation is: no.

Reason 1: Paying social security is a legal obligation.

Social insurance is a compulsory social security system established by national legislation, and both employers and workers must participate in social insurance according to law.

Reason 2: Stop paying social security, affecting medical insurance, work-related injuries and other benefits.

For workers, once they stop paying social security, they will not get corresponding protection in case of illness, maternity, work injury and unemployment.

Reason 3: You can get a pension by paying 15 social security.

According to the relevant provisions of the Social Insurance Law, to apply for a basic pension, the following two conditions must be met at the same time.

① The accumulated payment period of social security has reached 15 years and reached the statutory retirement age ②.

At present, the retirement age of enterprise employees is 60 for male employees, 55 for female cadres and 50 for female employees.

That is to say, for ordinary employees, the social security payment reaches 15 years before they reach the "threshold" for enjoying the basic old-age insurance benefits.

You can't apply for a pension until you reach retirement age.

Therefore, life is endless, work is endless, and social security payment 15 years is only the basic condition to meet the current regulations. If you want to work hard, there is no such thing as breaking off and lying flat.

The more social security is paid, the longer it takes. Is it useful? This answer is also yes.

Once the payment period is reached and the pension can be received, the pension can be started. Pensions are usually calculated according to the following formula:

Pension = payment base × payment period × pension payment ratio

Payment base: it is a certain proportion of your salary or income, usually with upper and lower limits.

Payment years: cumulative payment years under the social security system.

Pension contribution ratio: this is a percentage, which is usually stipulated by the state and local governments and can be different according to different regions and policies. Generally, big cities are higher than small, medium and small cities.

It is not difficult to see from the above formula that the final pension is directly related to how much money you paid when you were young and how many years.

Recently, a retired aunt in Shenzhen got her real pension online. She retired in August this year, and only received 1.387 yuan per month after retirement. A group of netizens lamented that it was really emo, and the social security was paid 15 years. Finally, that's it.

To tell the truth, what we are afraid of is not being old, but being old and having no money. In fact, if we want to get more pensions and live a decent life when we retire, we really need to plan from now on. Today, I would like to take this topic to give you three solutions. Pick one at random, and get thousands of dollars more when you are old than when you don't plan:

. 1? Improve the payment grade and extend the payment period.

That is, "pay more, get more." The more money you pay, the longer it takes, and the more money you can get when you retire.

Taking Guangzhou as an example, the same-age payment 15 years is paid at the base of 60% and 100% respectively. In this way, paying 100% is nearly 2000 yuan more than paying 60% of the pension.

Similarly, if you choose to pay 25 years, it will definitely be higher than paying 15 years pension.

The aunt mentioned just now can only get a pension of more than 1000 yuan, which has a lot to do with the fact that she has only paid 15 years and paid the lowest grade.

.2? Retire in a big city

How much pension you can get is linked to the average salary in the retirement area.

The higher the average wage level in the city where you retire, the more money you can get.

Comparing first-tier cities with third-tier cities, the average salary in Shenzhen is more than 10 thousand, and that in Yueyang is more than 5 thousand, under the same other payment conditions. In the end, I got twice as much money after retiring in Shenzhen as in Yueyang, which is a gap of more than 100 thousand for decades.

3? Add your own enterprise pension.

This way is not limited to anyone, and you can get a pension at the age of 55. It is the third pillar of the country's strong support for the elderly-commercial pension: when you pay a sum of money when you are young, you can get a certain pension every year when you are old, which is used to subsidize the old-age life. You can ask your insurance friends around you about the specific products you want to buy. They must be very willing to introduce them to you, so I won't say much.