We often talk about social security, but in fact, social security is very important for everyone. It includes five aspects of protection, including medical care, maternity, work-related injury, unemployment, and pension.
In social security, in addition to paying attention to medical insurance, we also pay high attention to pensions, after all, pensions are the main source of life for many retired seniors, and the state is also very concerned about the improvement of the pension system.
In order to better protect the life of every retiree, from 2005 to 2023, the pension has achieved 19 consecutive years of increase, and it has become a sure thing that it will continue to rise in 2024.
have paid social security for 15 years
Why is my pension so much lower than others?
Which tricks can
How about getting more pensions?
You can only receive a pension after 15 years of payment
Isn't it okay if it's not full?
We will inevitably encounter some special circumstances in our lives and interrupt social security, does this mean that the previous ones have been paid in vain?
In fact, no, under the new social security regulations, those who have not paid full social security will be dealt with and remedied according to the following methods:
Method 1: Make up the payment on an annual basis
If you reach retirement age and have a few years (usually three years) before you have social insurance, you can make up the payment every year so that you can receive social security benefits when you retire. However, you will have to pay a late fee to cover your annual fee.
Method 2: Delay retirement
If you reach the statutory retirement age in mainland China and social insurance has not paid for 15 years, you can apply for a delay in retirement, up to a maximum of 5 years.
When you delay retirement, you can continue to pay Social Security while working. In my opinion, the vast majority of people who can make up for social security do not want to delay retirement (except for public officials).
Method 3: One-time supplementary payment
Only if the following conditions are met can you make a one-time payment of social security for 15 years:
- Employees of state-owned enterprises and institutions who retired before 2011;
- young intellectuals who went to the countryside between 1961 and 1982;
- Retirees aged 65 for men and 60 for women had already paid social security in the local area before 2011.
Method 4: Switch to resident social security
If there is still a long time before the completion of 15 years of payment, it is not cost-effective to choose to make annual supplementary contributions, and you can also consider turning employee social insurance into resident social insurance.
In some places, it is also possible to make a one-time supplementary payment, but on the one hand, it is troublesome to deal with, and on the other hand, the treatment is lower than that of employees' social insurance.
Method 5: Stop paying social security and take out the money
Personally, I don't approve of everyone using this method, that is, if you haven't paid for 15 years, but you don't want to spend any more money to make up the payment, then you can apply for a surrender.
In this way, you will no longer have to continue to pay social security, and the money you paid before will be refunded to you. But this method has a consequence, that is, after retirement, there is no way to enjoy the benefits of medical insurance and pension.
No matter who you are, you need to understand the importance of social security, so when looking for a job, it is best to choose a job with five insurances and one housing fund, because with social security, we can really enjoy many benefits.
Don't worry if you don't pay social security for some reason, you can remedy it in the above ways.
Source: 51 Social Security Network