How big is the gap between 15 social security payment and 20-year pension, and how to pay it is the most cost-effective?

The biggest difference between social security contribution 15 and 20-year pension is that after the insured retires, those who pay 20-year pension receive more pension than those who pay 15 pension. In addition, the account that pays the 20-year pension has accumulated a lot of money, and receiving the pension in the future is calculated according to the fund base in the account. The analysis is as follows:

1, pension payment 15, and paying interest for 20 years is different. Generally speaking, when the pension reaches the prescribed payment period and goes through retirement procedures, the pension is divided into two parts: basic pension and personal account pension. Compared with people who have paid for 20 years, even if they retire in that year, the payment period is five years longer, and the basic salary is higher than that of people who pay 15, so the pension insurance money they receive is higher than that of people who pay 15.

2. If the endowment insurance is interrupted midway, the middle part can also be paid back, and the premium before the interruption will not become invalid and will be merged with the premium paid later.

The most cost-effective social security payment methods are as follows:

1. If there is a work unit, the social security is not paid by the unit, but by the individual: report to the labor inspection or bring a lawsuit to the people's court. This method is usually only applicable to the war with the unit and resignation. Another way is for individuals to pay according to the insurance method for flexible employees;

2. If there is no work unit, the individual will directly pay in full: this situation involves the insured and the registered permanent residence. If there is no insurance in the past, you can only have insurance at your place of residence and pay according to the flexible employment policy. If you are insured, you can renew your insurance directly, and then apply for insurance according to the flexible employment policy;

3, affiliated with a unit, both units and individuals have to pay: this kind of past is more common, especially the endowment insurance of public institutions. In this case, the insurance premium paid by units and individuals is paid by individuals, which is higher than that paid by flexible employment policy. This situation is not cost-effective, but it is still used.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.