Do I still need to pay social security after fifteen years?

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What is the minimum number of years of social security contributions?

Social security includes endowment insurance, medical insurance, unemployment insurance, maternity insurance, and work injury insurance. Among them, pension insurance and medical insurance have a minimum payment period.

According to the provisions of the Social Security Law, the minimum payment period for basic old-age insurance is 15 years, and after paying more than 15 years, you can receive a monthly pension after reaching the retirement age.

Basic medical insurance also has a minimum payment period, but it is not uniform nationwide, and different minimum payment periods are set in various places, most areas are 25 years for men, 20 years for women, and 15 years for Shanghai, Guangzhou and other parts.

After the medical insurance reaches the minimum payment period, it can no longer continue to pay after reaching the retirement age, and then enjoy the treatment of lifelong medical insurance.

It is recommended to continue to pay pension insurance contributions for 15 years

Therefore, after 15 years of pension insurance contributions, the minimum payment period has been reached, and there is no need to continue to pay. However, taking into account these two factors, it is recommended to continue to pay as much as possible.

First, pensions are overpaid. 15 years is the minimum payment period, and the pension is a long payment, the longer the payment period, the higher the pension level, and the more it will rise when the pension is adjusted every year. Therefore, we cannot only be satisfied with 15 years of contribution, but we should pay as long as possible and increase the number of years of payment, so that the pension base will be higher and the amount of pension increase every year will be more.

Second, the minimum payment period may be increased. According to the 14th Five-Year Plan for Social Security, it is necessary to gradually increase the minimum number of years of pension contribution. Therefore, although 15 years of contribution is enough for the minimum payment period now, if the minimum payment period is increased in the future, then 15 years will not be enough. Based on the precautionary consideration, it is still more secure and cost-effective to pay as much as possible for a few years.

Health insurance contributions are required to continue to be paid for 15 years

For medical insurance, only paying for 15 years is generally not enough, and it does not reach the minimum payment period of 25 years for men and 20 years for women, and they cannot enjoy the treatment of lifelong medical insurance after retirement.

The minimum payment period of medical insurance is also cumulatively calculated, although medical insurance to retirement age does not pay enough minimum payment period, it is possible to pay a one-time supplementary payment to the minimum payment period, enjoy lifelong medical insurance, but because medical insurance is a pay-as-you-go system, after the payment can not enjoy medical insurance treatment, so medical insurance even if the payment is 15 years, it is not recommended to cut off payment, it is recommended that you still need to continue to pay, so that you can always enjoy medical insurance reimbursement.

Moreover, it should be noted that for in-service employees, social security needs to be paid all the time, and it is not possible to take the initiative to interrupt the payment, because it is mandatory.

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