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Recently, "After 15 years of social security contributions, can I sit and wait for retirement?" ", the topic has attracted a lot of attention.
After 15 years of social security contributions, can it really be easy to wait for retirement? Policy has explicitly curbed this thinking.
According to the laws and regulations of the Labor Law and the Social Security Law, if the labor work is performed normally, the employer has the necessary and responsibility to pay the social insurance of the employee. Regardless of whether social security has been paid for 15 years or more, it must continue to pay the contribution. This is mandatory by law and is also the employee's right and the employer is responsible for paying it in full.
However, for people with flexible employment, participation in insurance contributions is voluntary, so it is up to them to decide whether to continue to contribute after meeting the conditions for 15 years of pension contributions.
In addition, the answer to this question also involves other risks. Next, we will explore these risks from three perspectives.
First, if you cannot meet the minimum contribution years, you cannot apply for retirement.
At present, the mainland's pension conditions stipulate that social insurance contributions need to be paid for 15 years. This contribution period was only originally established to accommodate the reform of the pension system. So far, the mainland's enterprise pension insurance system has existed for 30 years, and the average life expectancy and pension level have continued to rise.
For these reasons, the 14th Five-Year Plan proposes to extend the minimum pension contribution period, which means that the 15 years minimum social security contribution period currently required will be changed to a longer period, such as 18 years, such as 20 years. Therefore, under this new provision, even if you have reached retirement age, you cannot apply for retirement and pension if you have only 15 years of social security contributions.
2025 will be the end of the 14th Five-Year Plan, and it is likely that corresponding policies will be implemented and implemented. Therefore, if you now stop contributing once you have reached the 15-year social security contribution period, you may not be able to retire after the implementation of the new policy, and you will need to continue to contribute to the new minimum contribution period.
Second, do you want to retire with medical insurance?
If the employee's unit is five insurances and one housing fund, the pension insurance and medical insurance are integrated, and the company's finance is submitted monthly. Even if you have paid social security for 15 years, you still do not meet the age requirements for medical insurance retirement procedures.
At present, the health insurance retirement regulations in most regions require women to contribute for at least 20 years and men to contribute for at least 25 years. However, some places have higher requirements for women, requiring them to contribute for more than 25 years, while men need more than 30 years to apply for Medicare retirement. Therefore, if you only pay for 15 years, you may face an embarrassing situation.
Even if you receive a monthly pension, you still have to pay out of pocket for medical treatment, or you have to pay medical insurance every month, and it may take up to 10 years or more. Wait for medical insurance to complete the service before you can retire and enjoy lifelong medical reimbursement benefits.
Third, can lower pensions be tolerated?
According to the laws and regulations so far, once the social security contribution record has been accumulated for 15 years, workers can receive a pension when they reach retirement age. But if you only pay for such a short time, how much can you receive? As we all know, the amount of pension is directly related to the number of years of contribution.
The shorter the contribution period, the lower the amount of the pension, the reduction in the total contribution and thus the lower the pension. Therefore, in this case, you may only receive a minimum amount of pension when you retire in the future, and you will not be able to meet your needs in old age.
If you expect to get a higher pension, you must pay according to a higher grade in areas with a higher social security premium base, such as 15 years in Beijing and Shanghai with a 300% base, then you will receive more pensions every month. But this is unbearable for the general population.
Therefore, it is naïve to think that as long as you have paid social security for 15 years, you can sit back and wait for retirement. Especially for low-income people, participation in social security can get stronger protection.