What should I do if Beijing Chaoyang 2022 retires late?

Retire immediately and return the pension insurance that has been paid for several years.

I didn't pay attention when I reached retirement age, and I paid social security for an extra year. I should have reached retirement age in August 17, but it has been almost a year since I went through the formalities. Can last year's salary be made up? First, apply for retirement immediately and return the old-age insurance that has been paid for more years. In this case, the individual still suffers, paying one year more and receiving one year less pension. Of course, there is also a problem of division of responsibilities. If it is the responsibility of the employer, this part of the overpayment should be handled with the assistance of the employer; If it is the responsibility of the social security department, in addition to returning the overpaid old-age insurance premium, a one-year pension should also be reissued; The second is to retire immediately, and the overpaid part is counted as one year's payment period. Retirement is handled according to the actual payment period, so that due to delaying retirement for one year, the social wage will increase by a few percentage points over the previous year, and the basic pension can be increased. If the personal account payment is over one year, the personal account funds will be higher. When it comes to adjusting pensions in the future, one more year can also be linked. However, whether this method is feasible requires consulting the local social security department.