15 Don't worry if you don't pay social security! The new regulations in 2022 will be handled in this way.

Recently, Mr. Li, who lives in Chengdu, has encountered such a problem. Knowing that he is a flexible employee, he pays social security himself. He joined social security at the age of 45, but he just turned 60 in April of 20021year and reached retirement age. However, when he retired, the staff told him that he could not apply for retirement because his social security contribution was insufficient 15. what should he do ？ Let's say:

1, the pension insurance is less than 15 years, and you cannot retire. What's the impact?

2. Insufficient social security payment 15 years. What is the three "solutions"?

3. Besides social security, what guarantee can we give ourselves?

1. What's the impact of not being able to apply for retirement in 5 years/kloc-0?

Old-age insurance payment can not be refunded if it is less than 15 years, which mainly has the following effects:

1, can't receive pension, enjoy pension benefits. As we all know, if you want to receive a pension after retirement, you must pay the old-age insurance 15 years. If you don't pay, you can't apply for retirement and get a pension.

It will force delayed retirement. The first thing you need to know is that pension is the main source of income for the elderly. In the case of unsatisfactory family conditions, providing for the aged can highlight its importance. At this time, if there is no pension, you have to continue working at the retirement age and force yourself to postpone retirement.

2. Insufficient social security payment 15 years. What is the three "solutions"?

The above said the impact of not being able to apply for retirement, but what needs to be known is that the social security payment is insufficient 15 years, and there are solutions. Let's talk about it below:

1, also. The state clearly stipulates that if the social security payment period is less than 15 years at retirement, then the insured can choose to pay back, and the one-time payment of 15 years can be handled normally. But this requires you to take out your money when you retire, so the pressure is still great.

2. Handle the transfer of endowment insurance. For employees who have paid less than 15 years, their pension insurance can be transferred to urban residents' pension insurance when they retire, so that they can receive it normally when they retire. However, it should be noted that the pension of urban residents will be much less than that of employees. There is a big gap between the pension benefits of the two, so we should know more about the specific benefits before handling them.

3. For surrender, the personal account amount is paid to the insured. This is also a solution, but it is also the most loss-making solution.

Third, besides social security, what protection can we give ourselves?

Social security can only provide the most basic living security, and social security alone cannot improve the quality of life. At this time, we should choose some commercial insurance according to our own conditions to improve the quality of life. The allocation of commercial insurance should be considered from the following aspects:

1, commercial endowment insurance. It is the most effective supplement to social pension and exists in the form of contract. The insured pays the premium to the insurance company according to the contract, and the insurance company pays the pension according to the contract. Among them, commercial annuity insurance and term life insurance are the most important types of insurance, which are very similar to social endowment insurance in terms of payment of premiums and collection of insurance benefits. It can effectively improve the pension benefits after retirement, thus better ensuring the quality of life.

2. Medical insurance. There is also medical insurance in social security, but often the proportion of medical insurance reimbursement in social security is very small, the reimbursement amount is relatively low, and many expenses are not reimbursed. At this time, commercial medical insurance should be purchased, which can effectively reimburse expenses other than social security reimbursement. Among them, critical illness insurance and cancer prevention insurance are good choices.

3. Accident insurance. As the name implies, it is the insurance money paid by the insurance company when the insured suffers an accident. Life is often full of accidents. Accident insurance can not only protect your own life, but also better protect your family life, especially when the pillar of the family encounters an accident, other family members can also be protected.

Four. abstract

Social insurance is the embodiment of national welfare, which can provide a certain guarantee for everyone's basic life. Everyone should actively respond to national policies, and at the same time strengthen the study of insurance knowledge and enhance insurance awareness. Social security should extend the payment period and allocate certain commercial insurance. After all, our life needs a lot of protection! If you are still confused and don't know how to buy insurance, you can consult a professional and excellent insurance broker. Because professional insurance brokers will make a comprehensive evaluation and tailor the plan according to your problems and needs, Baibaojun has a professional and powerful insurance team to match the exclusive consultant that suits you best. Baidu searches for "Baibaojun" to provide you with more professional insurance.