Participating in the basic endowment insurance can provide a stable pension income and rights and interests protection for our retirement life, and its importance and necessity are self-evident.
However, when surfing the Internet, you can always brush up on such a statement↓↓↓
"You can retire after paying for 15 years, and you don't have to continue to pay in vain"
"Pay 100,000 yuan at one time and receive 1,400 yuan per month"
"The treatment is cleared after 3 months of non-payment"
……
Are these "popular science" reliable?
This article will make it clear for everyone one by one
Don't be misled again!
After 15 years of pension insurance, you can retire and wait to collect money?
Article 16 of the Social Insurance Law stipulates that individuals who participate in basic pension insurance and have paid contributions for 15 years or more when they reach the statutory retirement age shall receive a basic pension on a monthly basis.
Note that the 15 years mentioned here is only the minimum contribution period for receiving the basic pension!
If you are an active employee
After 15 years of social security contributions, before reaching the statutory retirement age, the employer shall continue to pay for the insurance participation of the employee in accordance with the regulations, and after meeting the conditions for receiving benefits, go through the retirement procedures and receive the basic pension on a monthly basis;
If you are a flexible worker
If you are an individual, you can choose whether to continue to pay after 15 years, but it is recommended that you do not interrupt the payment!
The higher the level of payment and the longer the payment period, the more pension you will receive in the future.
So, how do you calculate how much pension you can get when you retire?
Sacred Vessel Send-off: http://si.12333.gov.cn
Enter the appropriate parameters
You can estimate your pension
When the pension insurance has not been paid enough years when the statutory retirement age is reached, can it be paid in a lump sum?
Whether it can be paid back or not, depending on the situation!
If you participate in the urban employee pension insurance, when you reach the retirement age, the cumulative contribution is less than 15 years, you can extend the payment to 15 years. This case contains a cut-off point ↓
Those who have participated in the insurance and paid contributions before the implementation of the Social Insurance Law on July 1, 2011 can make a one-time contribution to the full 15 years if the extension of the contribution is not enough after the five-year extension, and if they participate in the insurance and pay contributions after the implementation of the Social Insurance Law, they need to continue to pay the premiums until the full 15 years before receiving the pension.
If you participate in the pension insurance for urban and rural residents, there are three situations:
Situation 1: When the urban and rural residents' pension insurance system is implemented in the place where you are registered, you have reached the age of 60 and have not received the basic old-age security benefits stipulated by the state, then you can receive the old-age insurance pension for urban and rural residents on a monthly basis without paying fees.
Situation 2: When the system is implemented, if you are less than 15 years away from the prescribed age of 60, you should pay the fee every year until the age of 60. Retroactive contributions are also allowed, but the cumulative contributions do not exceed 15 years.
Situation 3: When the system is implemented, if you are more than 15 years away from the prescribed age of 60, you should pay the annual premium, and the cumulative contribution is not less than 15 years before you can receive the pension.
Pension insurance is cut off, and the treatment is cleared?
Some of my friends may be planning to leave their jobs and return to their hometowns from the city...... As a result, the pension insurance payment will be interrupted, will the money paid before expire and be invalidated? Will the record be cleared? Can I still receive a pension?
Don't worry! If the pension insurance is discontinued, the insurance record will not be cleared!
The social security agency will retain your basic pension insurance relationship, keep all insurance payment records, and the interest on the amount saved in your personal account will be calculated continuously, and the pension insurance premiums paid will not be paid in vain. If you have paid contributions for 15 years and reach the statutory retirement age, you can receive a basic pension on a monthly basis.
Despite this, we must also remind everyone that if the payment is interrupted for a long time, the corresponding cumulative payment time will be relatively short, the cumulative savings in the personal account will be relatively small, and the pension in the end will be relatively small. If you interrupt your social security contributions for a long time and do not have enough years of contributions by the time you reach the statutory retirement age, your pension will also be postponed accordingly.
If you are not employed in the unit, how can you participate in the pension insurance for urban workers?
It is recommended that you can participate in the enterprise employee pension insurance as a flexible employee.
The application is very simple, take your ID card (residence permit) or social security card and other relevant information, and go to the social security agency in the place of household registration or employment to go through the insurance procedures. Online can be handled online through the national social insurance public service platform (si.12333.gov.cn), electronic social security card APP, mini program, local human resources and social security department websites and other channels.
You can choose the appropriate payment base between 60% and 300% of the average salary of employees in urban units of all calibers in the province, and freely choose to pay monthly, quarterly, semi-annually, and annually according to the payment ratio of 20%. Those who reach the statutory retirement age and meet the requirements of the minimum payment period can also receive a basic pension on a monthly basis, and the calculation method of treatment is the same as that of enterprise employees.
Source: Ministry of Human Resources and Social Security