What if the employee's social security is not paid enough 15 years?

Under 15, there are five ways to deal with the unpaid social security of employees:

First, pay social security in one lump sum.

Second, you can take the initiative to apply for delayed retirement.

Third, pay social security after retirement.

Fourth, employee social security is transformed into resident social security.

Fifth, give up social security.

According to national regulations, enterprises need to help employees pay social security, and employees have to bear part of the social security expenses. Social security payment after 15 is only a threshold, which does not mean that it will not be paid after 15.

Paying 15 social security is completely different from paying 25 years, because social security also includes four types of insurance, such as medical insurance, which can be reimbursed when we go to the hospital for treatment, and the reimbursement ratio can often reach more than 50%. Moreover, social security will also have a personal account, and the balance inside can also be directly used to deduct medical expenses. Even if you go to the drugstore to buy medicine, you can use the balance in your personal account.

First, employee social security has not been paid enough 15. The specific solution is

1, pay social security in one lump sum. Many people have never paid 15 social security, and they all want to have sex with social security at one time. However, there are preconditions for one-time payment of social security, such as the educated youth who went to the countryside that year and the employees of state-owned enterprises and institutions who retired before 20 1 1. Ordinary people are not eligible for secondary payment. However, some cities have "relaxed" the conditions for paying social security in one lump sum. If necessary, you can consult the local social security department.

2. You can take the initiative to apply for delayed retirement. That is, you have reached retirement age, but the social security has not been paid 15 years. At this time, you can take the initiative to postpone retirement until the social security is paid 15 years. The biggest advantage of this method is that the insured can work for a few more years without any problems, and the unit will also bear most of the social security for you. Taking the initiative to choose to postpone retirement is more suitable for employees whose social security is less than a few years away from the minimum standard of 15, but not for those who are in poor health.

3. Pay social security after retirement. That is to say, it has reached retirement age, but social security has not been paid 15 years. At this time, you can retire first and then pay social security after retirement. This method is also a good choice if you are only one or two years away from the standard of 15. However, this method also has defects, that is, after retirement, you can't get a pension and have no source of income, but you have to pay social security every year. This is ok for families with good family economic conditions, but it increases the economic burden for families with poor family circumstances.

4. Transforming employee social security into resident social security. Under normal circumstances, few people are willing to convert employee social security into resident social security. This situation is mainly aimed at social security payment for several years, and the minimum social security payment standard of 15 has been kept for a long time, but now that the elderly have reached the legal retirement age, it is also helpless. Although employees' social security will be transformed into residents' social security, the benefits they enjoy will drop a lot, but it is better to have security than no security. In this case, it is best for retirees to have a deposit and use the interest of the deposit to make up for the shortage of residents' social security income.

5. Give up social security. This is mainly applicable to those who have not paid social security for several years, but have reached the legal retirement age, and it is meaningless to continue to pay social security. It is better to choose to give up social security, so that some of the social security funds paid before can be returned, but this part of the national overall plan cannot be returned. Of course, it is unwise to give up social security, because it means losing all the protection, and it is best not to do it unless you have to.

legal ground

Social insurance law

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.