Pension insurance is the most important insurance in social security, and it is also the insurance that pays the most before retirement. Due to various reasons, some people pay pension insurance late, or even never pay pension insurance, and when they are old and can no longer work, they can only rely on their children to raise them.
In order to reduce the financial burden of their children, such people hope to receive a pension after retirement, and are willing to make a one-time supplementary pension insurance payment, even if they do not receive much money in the future, but at least have a stable income every month.
It should be noted that in the past few years, there was basically a policy of supplementary payment of pension insurance in various places, but with the improvement of the social security system and has been in operation for many years, the policy of one-time supplementary payment has gradually withdrawn from the historical stage. So can you still make up the payment now? There are different opinions on the Internet, and the Ministry of Human Resources and Social Security has given an explanation this time, and I have combed it out and found that there are two types of people who can enjoy the policy of one-time supplementary payment of pension insurance.
First of all, we should distinguish the types of old-age insurance, and the old-age insurance in the mainland is divided into basic old-age insurance for urban workers and old-age insurance for urban and rural residents. Many people may complain when they see this, thinking that they are all Chinese, why should they distinguish different pension insurance?
In fact, it's about taking care of rural dwellers as well as low-income people in cities. Urban workers' pension insurance is paid once a month, and the total amount of payment in a year is at least 7, 8,000 yuan, and tens of thousands of yuan a year.
I think there is a high probability that I don't want to, and I can't afford it. This is the pension insurance for urban and rural residents, which is paid once a year, and the minimum payment grade is only a few hundred yuan, and those who want to pay a little more can choose more than 1,000 yuan or more than 2,000 yuan.
The first category of people who can make supplementary contributions are employees who participate in the pension insurance for urban residents. They need to meet a number of conditions if they want to make up the contributions, one is that they have started to pay pension insurance before the implementation of the Social Insurance Law, that is, before July 1, 2011, and fail to meet the minimum standard of 15 years of cumulative contributions after reaching the statutory retirement age, and the second is that they have not reached 15 years after the extension of contributions.
What do you mean? Let me give you an example.
Suppose Zhang San began to pay the urban employee pension insurance in 2009, stopped paying in 2011, paid for a total of 3 years, and began to pay for another 3 years in 2021, and reached the statutory retirement age (60 years old) in 2024. Zhang San's cumulative payment period is only 6 years, 9 years less than the minimum number of years to receive a pension, and after 5 years of payment, it becomes 10 years, or less than 15 years, Zhang San can pay the remaining 4 years at one time, and can receive a pension at the age of 65.
Note that if Zhang San only started to pay the pension insurance for urban employees in 2012, he could not make a one-time payment, because the "Social Insurance Law" had been implemented at that time, and he could only continue to pay after reaching the statutory retirement age until he accumulated 15 years.
The second type of one-time supplementary payment is aimed at urban and rural residents of old-age insurance participants, the vast majority of whom are rural residents, and they are also the people who have the most one-time supplementary payment needs.
When the local pension insurance system for urban and rural residents is implemented less than 15 years before the age of 60, and the cumulative payment period is less than 15 years when the age of 60 is reached, the one-time payment can be made up to 15 years, but the cumulative payment period cannot exceed 15 years. Again, let's take an example.
Assuming that Li Si's area only began to implement the urban and rural pension insurance system in 2015, Li Si was 51 years old at that time, less than 15 years away from the age of 60, and met the conditions for one-time supplementary payment. In 2024, Li will be 60 years old in the fourth year, and the cumulative payment period is 9 years, and he can make a one-time payment of 6 years of pension insurance.
If Li Si is only 42 years old in 2015, more than 15 years away from the age of 60, he does not meet the conditions for one-time supplementary payment. At the age of 60, he paid a total of 11 years of pension insurance for urban and rural residents intermittently, and there were still 4 years left, Li Si could only continue to pay, and he could not receive a pension until he was 64 years old.
Of course, the above is the "big regulations" of the Ministry of Human Resources and Social Security, and it is not excluded that there are special circumstances in some areas, especially in rural areas, and some places have implemented special policies in stages, even if they are not the above two types of people, they can also make up the pension insurance at one time. It's just that such a situation is very rare and less and rare, and I have hardly heard of it in recent years, so if you have such a policy on your side, you can talk about it in the comment area.
How much money can I get after the retroactive payment? I will only say that the situation varies greatly from region to region.
The pension insurance treatment of urban and rural residents in economic areas is very high, and they can get a pension of more than 1,000 yuan per month if they only pay for 15 years according to the minimum payment grade, and Shanghai can get close to 2,000 yuan; in economically underdeveloped areas, the monthly pension income paid according to the lowest grade and the minimum cumulative number of years is only 2, 300 yuan, or even less than 200 yuan.
If you want to get more pensions after retirement, you can't think of a one-time supplementary payment or only pay 15 years later, "long pay more", "pay more" in recent years in the pension adjustment program is becoming more and more obvious, the future does not rule out the possibility of reform in accordance with this principle.