As we all know, if the personnel of enterprises and institutions want to enjoy the basic pension insurance benefits after retirement, then they must meet the following two prerequisites at the same time:
First, it is necessary to reach the national statutory retirement age, which mainly includes three age groups, one is that male workers need to meet the age of 60, the other is that female workers need to meet the age of 50, and female cadres need to meet the age of 55.
Second, the insurance payment period (including the deemed payment period) must be accumulated for 15 years.
So the question is, if we have paid social security for 15 years, can we wait for retirement at the age of 60? In response to this problem, the staff of the Social Security Bureau came to the conclusion that paying social security for 15 years is not equivalent to retirement. There are several main reasons:
.01
To receive a pension is required
At the same time, 15 years of contributions and the statutory retirement age are met
As we have mentioned above, if insured employees want to enjoy basic pension insurance benefits, they must meet two conditions at the same time, one is to pay for 12 years, and the other is to reach the statutory retirement age.
If the social security payment for 15 years only meets one of the conditions for retirement, if the age has not reached the retirement standard, you still cannot enjoy the pension insurance treatment, and you need to continue to pay for the insurance until you reach the statutory retirement age.
.02
Paying social security is a legal obligation
According to the Labor Law of the People's Republic of China, employers and employees are required to participate in social insurance and pay social insurance premiums in accordance with laws and regulations.
At the same time, the Social Insurance Law also clarifies that an employer shall apply to the social security agency for social insurance registration for its employees within 30 days from the date of employment.
That is to say, if the employee's insurance payment period has reached 15 years, but has not reached the statutory retirement age, then as long as the employee is still working in the enterprise, then he must continue to participate in the insurance payment.
If the employer and the employee fail to pay, the "Social Insurance Law" also stipulates that the payment shall be made within the time limit, and if the payment is still not made within the time limit, the employee will face corresponding penalties.
Therefore, if the employee is still employed, even if the social security has been paid for 15 years, as long as he has not reached the statutory retirement age, then he must continue to pay social security premiums.
.03
Insufficient payment time to stop paying social security
It will affect medical insurance and work-related injury benefits
There are not only pensions in social security, but also medical, unemployment, work-related injuries, and maternity insurance, which must be insured together with the pension. In other words, employees or enterprises cannot choose one of them to participate in the insurance.
Therefore, this means that if the insured employee stops paying social insurance, it will affect the medical insurance, work-related injury and unemployment benefits.
In this way, it is certainly not cost-effective for employees, and for enterprises, if employees stop paying social insurance, once a work-related injury occurs, then the enterprise must bear a large amount of medical expenses. Therefore, companies should also take this risk into account.
It can be seen that if the in-service employee has paid social security for 15 years, but has not yet reached the statutory retirement age, then it is not possible to stop paying social security and wait for retirement. Because as long as there is a labor relationship between the employee and the enterprise, then it must be insured according to the regulations.
And once the social security payment is stopped, then several other benefits will be canceled. Moreover, the level of pension insurance benefits, follow the basic principle of "pay more, pay more, pay long", if the payment is stopped after 15 years, then when you retire in the future, the pension in hand is not high, and it can even be said that it is low.