If you are 60 years old and haven't paid social security 15 years, can you still get a pension after paying?

You can't get a pension if you haven't paid 15 for the old-age insurance over 60.

Social security contributions reach 15, reaching the statutory retirement age, and basic pensions can only be received after retirement. At present, the retirement age of men is 60, that of female cadres is 55 and that of female workers is 50. In other words, at retirement age, you can get a basic pension only after you have gone through retirement procedures.

If the insured employee fails to reach the payment period stipulated by the state when he retires, he can pay back the payment period stipulated by the state. The payment fee includes all medical insurance fees that the employer and individual should pay during the period when the actual payment period is inconsistent with the minimum payment period stipulated by the state.

Can farmers' 60-year-old pension insurance be paid in one lump sum?

1. If the party reaches the legal retirement age and meets the relevant regulations, it can be paid in one lump sum; Otherwise, it cannot be paid in one lump sum; This has nothing to do with the nature of the customer's account.

Second, the individual supplementary endowment insurance policy: men are 45 years old and women are 40 years old, but the payment period cannot exceed 10 years; Assuming that men are 60 years old and women are 55 years old, they can pay back 15 years in one lump sum.

1, payment matters

When paying back, the old-age insurance premium shall be paid back at the rate of 20% based on 60% of the average salary of employees in the previous year.

2. Scope of payment

Including uninsured enterprises and personnel, as well as enterprises and personnel who interrupt payment; It does not include enterprises and personnel who have approved the payment base according to regulations but have historical arrears. For the historical arrears of the approved payment base, the late payment fee is still determined by the local tax department according to the regulations.

Step 3 get a pension

The pension you can receive after the age of 60 varies according to the years of payment, but if you pay back 15 years at a time, the amount you receive should be between 800- 1300 yuan. Assuming that the payment is regarded as a down payment, it will take about 7-9 years to recover the money already paid. Once this period is exceeded, it is equivalent to earning.

4. Agricultural insurance for farmers in new rural areas

There is a new type of rural endowment insurance in rural areas. It is suggested that all farmers can pay the new old-age insurance, and pay 100-1000 yuan every year according to the grade of10. Farmers take the initiative to choose the payment grade, and the more they pay, the more they receive. If farmers have reached the age of 60 when the new rural endowment insurance is implemented, they don't have to pay a penny, and they can only receive the basic pension in 55 yuan every month.

Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age. Endowment insurance is an important part of social security system and one of the five most important social insurances. The purpose of endowment insurance is to protect the basic needs of the elderly and provide them with a stable and reliable source of life. Old-age insurance will take effect automatically after the elderly within the legal scope "completely" or "basically" withdraw from social labor life. The so-called "complete" is characterized by the separation of workers from the means of production; The so-called "basic" means that participation in production activities has not become the main content of social life. The legal age limit is a practical measure.

The age requirements for applying for retirement wages are: normal retirement: men are over 60 years old, female cadres are over 55 years old, and female employees are over 50 years old. Early retirement for special types of work: those who have been engaged in toxic and harmful work for 8 years, worked in high and low temperature underground for 9 years, and worked in high altitude and particularly heavy manual labor for 10 years, are 55 years old for men, 50 years old for women cadres and 45 years old for women workers.

Early retirement due to illness or non-work-related disability: those who have completely lost their ability to work as identified by the Provincial Labor Ability Appraisal Committee are 50 years old for men and 45 years old for women. Policy-based early retirement: if the state and the province have special provisions on early retirement, the relevant provisions shall prevail.

Payment period for applying for retirement wages (including deemed payment period, the same below).

1, if the payment period reaches 15 years, you can apply for a monthly basic pension.

2. The payment period is 10 year, and you can apply for the basic pension on a monthly basis.

3. If the payment period does not meet the above conditions of 1 and 2, you can apply for one-time pension insurance and terminate the pension insurance relationship; Belonging to the household registration in this province, you can not apply for one-time pension insurance benefits, and continue to pay according to the payment base and rate of individual industrial and commercial households and flexible employees until you meet the conditions for receiving basic pensions on a monthly basis.

legal ground

Article 16 of the Social Insurance Law of People's Republic of China (PRC) stipulates that individuals who have participated in the basic old-age insurance and have paid less than fifteen years when they reach the statutory retirement age can pay the fees until they have reached fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

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 fixed 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 in accordance with the provisions of the state; 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.