When you reach retirement age, don't you have to worry about anything, just sit back and wait to receive your pension? Actually, no. Especially for those who are weak and have chronic diseases, they also need to pay attention to their medical insurance status.
So when you reach retirement age, do you want to continue to pay medical insurance? If you have paid pension insurance for more than 15 years, you can receive a pension, but does medical insurance have a retirement period? What should I do if I don't pay enough years? I will answer the question to the neighbors today!
Do I have to continue to pay health insurance when I reach retirement age?
Uncle Li is a native of Guangzhou, he started to run a dry medicinal herb shop when he was young, and he will reach the retirement age of 60 next month. Although the pension insurance has been paid for 28 years, the health has not been very good in recent years, so should I continue to pay medical insurance?
A: It depends on the type of insurance you are insured. If Uncle Li participates, he can only enjoy one year by paying for one year, and even if he reaches retirement age, he must pay on time and in full every year in order to continue to enjoy the treatment of resident medical insurance;
Conditions for Lifetime Medical Insurance Benefits:
When participating in the employee medical insurance reaches the statutory retirement age, the payment period can enjoy the medical insurance retirement treatment:
1. The cumulative payment period of participating in the employee medical insurance shall meet the requirements of the cumulative payment period of the employee medical insurance. Among them, Guangdong has gradually unified the province's medical insurance payment period policy, and the cumulative payment period will be unified to 30 years for male employees and 25 years for female employees by January 1, 2030.
2. Participate in the employee's medical insurance for 10 years in the place where the benefits are enjoyed after retirement.
If you have been to many cities to work and participate in the neighborhood when you are young, you need to pay attention to the calculation method of the payment period in each insured place!
What should I do if I don't have enough years of medical insurance?
Back to the above question, what if Uncle Li has always participated in the employee medical insurance as a flexible employee, and the medical insurance is less than 30 years when he reaches retirement age?
Answer: Uncle Li's situation is a retiree's supplementary payment, and you can choose to pay monthly or one-time payment according to the regulations. Among them, the payment base is unified, and the payment ratio is based on the place where the post-retirement treatment is enjoyed. You can use the personal account of employee medical insurance to make supplementary payments!
If you want to know more about social security, retirement and other knowledge, welcome to pay attention!