Retirement is imminent, but you find that there are still a few years left to pay for social security? Don't panic, the new regulations in 2024 will show you the way! A specific group of people can enjoy the privilege of one-time supplementary payment! Want to know if you are eligible? Come and find out!
1. The importance and composition of social insurance
Social insurance, as the core component of the mainland's social security system, covers five categories: endowment insurance, medical insurance, maternity insurance, work-related injury insurance and unemployment insurance. Every insurance policy plays an integral role in providing a full range of coverage to those who are insured. In particular, pension insurance is related to the quality of life of every worker after retirement.
2. Prerequisites for enjoying social security benefits
In order to enjoy social security benefits, the insured person needs to meet certain conditions. Taking pension insurance as an example, not only does it need to reach the statutory retirement age, but it also requires that the pension insurance payment period be at least 15 years. Similarly, medical insurance also has its minimum payment period, which varies slightly from region to region.
3. The impact of social security discontinuity
However, in real life, due to various reasons, some people may have social security payments cut off. The interruption of social security payment will not only affect the enjoyment of social security benefits by the insured, but may also have a profound impact on the life of the individual. For example, after the payment of medical insurance is interrupted, the medical insurance treatment will be suspended from the next month, if the payment is interrupted for a long time, it will also affect the amount of medical insurance reimbursement, and after reaching the statutory retirement age, if the social security payment period is less than 15 years, it will affect the enjoyment of pension insurance benefits.
4. New provisions on one-time supplementary payment
Faced with the problem of social security payment cuts, the new regulations in 2024 have brought good news to some people. According to the regulations, only those who participated in the insurance before the implementation of the Social Insurance Law on July 1, 2011, and after the extension of payment for 5 years, the cumulative insurance payment period is still less than 15 years, is eligible for the one-time supplementary payment. This provision provides a solution for those who have insufficient social security contributions due to historical reasons or other special circumstances.
5. Handling methods that do not meet the conditions for one-time supplementary payment
For those who have paid social security contributions for less than 15 years but do not meet the conditions for one-time supplementary payment, there are also three treatment methods to choose from:
1. Delay retirement and continue to participate in insurance contributions: When reaching the statutory retirement age, if the pension insurance payment period is still less than 15 years, you can apply to the social security department to postpone the retirement age and continue to participate in the insurance and pay until the full 15 years. It should be noted that the application for deferred retirement needs to be negotiated with the employer, because the employer still needs to pay proportionately.
2. Transfer to urban and rural residents' pension insurance: If after reaching the statutory retirement age, the social security payment period is still less than 15 years, and the economic foundation is not very good, you can apply for transfer to urban and rural residents' pension insurance, and then enjoy the pension insurance treatment until the payment is completed for 15 years.
3. Application for termination of the basic pension insurance relationship of employees: For those who have not been transferred to the basic pension insurance for urban and rural residents, they can apply in writing to terminate the basic pension insurance relationship of employees. The social security agency will terminate the pension insurance relationship in accordance with the procedures and after confirmation by the person, and pay the amount saved in the personal account to the person in a lump sum.
6. How to avoid the interruption of social security payments
In order to avoid the adverse effects of social security payments, insured persons should improve their awareness of social insurance and ensure that social insurance premiums are paid on time and in full. At the same time, employers should also assume corresponding responsibilities to provide stable social security for employees. In addition, the government and all sectors of society should also strengthen the publicity and interpretation of social security policies, improve the public's awareness of social security, and jointly build a more perfect social security system.
epilogue
As an important system to ensure people's livelihood, the improvement and development of social insurance is of great significance to improving the living standards of the people. In the face of the problem of social security payment interruption, we should actively deal with it, understand the relevant policies and regulations, and choose the right way to deal with it. At the same time, it is also necessary to strengthen the popularization and improvement of social security awareness and jointly promote the healthy development of the social insurance system.
The new regulations provide solutions for some people with historical problems, and the adjustment of the one-time supplementary payment policy allows more people to enjoy the benefits of social security. At the same time, it also reminds the majority of insured personnel to improve their awareness of social security and avoid the adverse effects of social security disconnection. By understanding policies and responding to them, we can work together to build a fairer and more sustainable social protection system.