What if the retirement unit fails to pay insurance?

After reaching the statutory retirement age, the unit has no obligation to pay social security for you. In this case, there are three treatment methods:

1. Individuals continue to pay social security to 15.

2. Individuals transfer the social security relationship to the social endowment insurance for urban and rural residents. Self-employed workers who fail to pay the old-age insurance that meets 15 years when they reach retirement age can also be transferred to the new rural social old-age insurance or urban residents' social old-age insurance in accordance with the provisions of the second paragraph of Article 16 of the Social Insurance Law, and enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council.

3, terminate the employee's personal social security, a one-time personal account storage. At the retirement age, if the employee fails to pay social security 15 years, the individual may apply in writing to transfer the employee's pension insurance relationship, and the social insurance agency will pay the employee's individual pension insurance account in one lump sum after receiving the employee's written application.

Social insurance refers to a social and economic system that provides income or compensation for people who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Social insurance is an important part of the social security system and occupies a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.

The functions of social insurance are as follows:

1, stable living standard: when members of society encounter this situation, they will be given appropriate compensation to ensure their basic living standard and prevent unstable factors;

2. Guarantee the ability to work: workers will inevitably encounter various accidents in the process of labor, which will lead to the stagnation of the reproduction process of workers and give necessary economic compensation and living security;

3. Realize social equity: provide subsidies to low-income or non-income workers through compulsory collection of premiums and inclusion in insurance funds to improve their living standards and realize social equity distribution to a certain extent;

4. Promoting social progress: it embodies the good appearance of mutual help and common development and progress of social groups.

legal ground

People's Republic of China (PRC) social insurance law

Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, medical institutions and pharmaceutical business units.

The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.

Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(3) borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.