Recently, a hot topic has attracted the attention of netizens: Can I sit and wait for retirement after 15 years of social security contributions? This question may seem simple, but it actually involves the vital interests of each of us, especially for those who have paid social security for 15 years. In this regard, the interviewed experts said that although the minimum payment period of pension insurance is 15 years, in practice, considering the incentive mechanism of overpayment and long-term payment of pension, as well as the differences in the provisions of different social security projects, we cannot simply answer "you can sit and wait for retirement".
First of all, we need to understand that 15 years is only the minimum contribution period for pension insurance. According to the Social Insurance Law of the People's Republic of China, individuals participating in the basic old-age insurance will be eligible to receive the basic pension on a monthly basis if they have paid contributions for 15 years when they reach the statutory retirement age. However, this does not mean that after 15 years, you can sit back and wait for retirement. Expert Feng Wenmeng pointed out that because the pension insurance follows the principle of "paying more and getting more, paying more for a long time", if the level of contribution is high and the payment period is long, the individual will receive more pensions. Therefore, just meeting the 15-year minimum contribution period does not mean that your pension will be the highest. In order to have a better life security in old age, encourage everyone to pay as much as possible and pay for a long time.
Secondly, for active employees, they still need to continue to pay after 15 years of payment. According to the Labor Law of the People's Republic of China and the Social Insurance Law of the People's Republic of China, both employers and employees must participate in social insurance and pay social insurance premiums in accordance with the law. This means that even if an employee has paid social insurance for 15 years, the employer must continue to pay social insurance for him as long as he is still employed, which is not only a legal obligation of the employer, but also a right that the employee should enjoy. Only when the employee reaches the statutory retirement age and meets other retirement conditions can he stop contributing and enjoy retirement benefits.
However, for flexible workers, it is entirely up to them whether they continue to contribute to social security. Expert Feng Wenmeng suggested that although you can freely choose whether to continue to pay after 15 years of payment, considering the future pension level and medical insurance treatment, he encourages everyone to increase the number of years of payment as much as possible when conditions and abilities permit. Especially in many places, the minimum payment period of medical insurance is higher than 15 years, and if the payment is interrupted, it may affect the medical insurance treatment and the eligibility to exempt from medical insurance premiums after retirement. Therefore, flexible workers need to make the best choice according to their actual situation.
In addition, in addition to pension insurance and medical insurance, we should also pay attention to the impact of other social security programs. Maternity insurance, work-related injury insurance, and unemployment insurance, although not as linked to retirement age as pension insurance, also play an important role in our lives. Once these plans are suspended, we may not be covered in the event of maternity, work-related injuries or unemployment. Therefore, this is also a factor that we need to consider when considering whether to stop paying social security.
In summary, although the conditions for receiving basic pensions can be met after 15 years of social security contributions, it is necessary for active employees to continue to pay; For flexible employment personnel, considering the future pension level and medical insurance treatment, the contribution period should be increased as much as possible. At the same time, we also need to pay attention to the impact of other social security programs to ensure our quality of life. Therefore, we cannot simply answer "whether we can wait for retirement after 15 years of social security contributions", but need to make the best choice based on our actual situation.