Participate in basic pension insurance
It is possible to provide one for retirement
Stable pension income and rights and interests protection
The importance and necessity of this
I'm sure anyone understands
But many netizens
Different voices can often be found on the Internet
- "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 claims reliable?
Yesterday (17 April)
Ministry of Human Resources and Social Security
Official WeChat public account
The article focused on answering the doubts of netizens
↓↓↓
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.
It is worth noting
The 15 years mentioned here
Only those who receive a basic pension
Minimum payment period!
If the employee is an in-service employee, after 15 years of social security contributions, before reaching the statutory retirement age, the employer shall continue to pay for the employee's insurance participation 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 employee, you can choose whether to continue to pay after 15 years of payment, but it is recommended not to stop paying the premium!
There is an important principle here
Pay more, pay more, pay more
The higher the level of contributions, the longer the payment period
In the future, the pension will be relatively more
When reaching the statutory retirement age, the pension insurance has not been paid for enough years, can it be paid in a lump sum?
Whether it can be paid back or not, depending on the situation!
If you are participating in the pension insurance for urban employees
At the time of reaching retirement age, the cumulative contributions are less than 15 years
Contributions can be extended up 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 payment to 15 years if the payment is not enough after the extension of 5 years;
- Those who participate in the insurance and pay contributions after the implementation of the Social Insurance Law need to continue to pay contributions until 15 years have passed before receiving the pension.
If you are participating in the pension insurance for urban and rural residents
There are three scenarios:
- Situation 1: At the time of the implementation of the old-age insurance system for urban and rural residents in the place of household registration, if you have reached the age of 60 and have not received the basic old-age security benefits stipulated by the state, 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 it is less than 15 years from the prescribed age of 60 years old, the fee should be paid annually 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 it is more than 15 years from the prescribed age of 60, it should be paid annually, and the cumulative contribution shall not be less than 15 years before receiving the pension.
Pension insurance is cut off, and the treatment is cleared?
Don't worry
The pension insurance has been discontinued
The insurance record will not be cleared!
If you are not employed in the unit, how can you participate in the pension insurance for urban workers?
END
Source: Official WeChat account of the Ministry of Human Resources and Social Security
Editor: Lady W
Dots to share