Is social security cumulative 15 years or continuous 15 years?

Social security needs to be paid 15 years in total, mainly referring to endowment insurance. When you reach the statutory retirement age and pay 15, you can receive the basic pension. If it is less than 15 years, you can continue to pay to 15 years, or you can transfer to other old-age insurance to enjoy the corresponding treatment. The survivors of the deceased can receive funeral grants and pensions, and the disabled can receive disability allowance. The funds come from the basic endowment insurance fund.

1. Is social security paid continuously 15 years or cumulatively 15 years?

Social security has to be paid 15 years, that is to say 15 years. Social security includes five insurances: old-age insurance, medical insurance, unemployment insurance, maternity insurance and industrial injury insurance. In fact, 15 is aimed at the most important endowment insurance, and it is also the one with the highest payment ratio among the five insurances. At present, the old-age insurance is broken, and it cannot be paid in one lump sum at the age, so it is necessary to delay receiving treatment. There is also medical insurance. Unless you pay 20 or 25 years in the year of retirement, you can enjoy medical insurance benefits for life, but it is broken before retirement, which means that you don't enjoy medical insurance benefits.

II. Relevant laws and regulations

Article 16 of the Insurance Law Individuals who participate in the basic old-age insurance shall receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid the accumulated contributions for fifteen years.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for 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 17 of the Insurance Law: If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral subsidies and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

Accumulated 15 years and continuous 15 years in social security payment requirements have their own advantages and disadvantages in different situations. The requirement of accumulated 15 years refers to the accumulated social security payment 15 years within the working years, which is suitable for people with frequent career changes and unstable work, and can guarantee the social security rights and interests during working in different units. The requirement of 15 years requires that social security should be paid continuously in the same unit for 15 years, which is suitable for people who have been engaged in the same occupation for a long time in a stable working environment and can guarantee more social security benefits in the same unit. Therefore, it is necessary to decide which method is more favorable according to personal professional characteristics and work experience, and make the best choice after weighing the pros and cons.

Legal basis:

People's Republic of China (PRC) (China) Social Insurance Law:

Chapter VII Collection and Payment of Social Insurance Fees

Sixty-first social insurance fee collection agencies shall collect social insurance premiums in full and on time according to law, and regularly inform employers and individuals of the payment situation.