Today (April 25),
#官方回应社保缴满15年就坐等退休#
Rushed to the first place in Weibo's hot search!
"You can retire after 15 years,
Don't continue to pay for nothing."
"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?
Ministry of Human Resources and Social Security
Answer your questions
Before reaching retirement age, social security has been paid for 15 years,
Can you retire and wait for the 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: 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 employee's insurance 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.
In the case of flexible employment
If you are an individual, you can choose whether to continue to pay after 15 years, but it is recommended not to interrupt the payment!
There is an important principle here, the higher the level of payment, the longer the payment period, the more pension will be received in the future.
Tang Huang, a lawyer at Hunan Tiandiren Law Firm, said that social insurance is a social security system established by national legislation, and both employers and employees must participate in social insurance in accordance with the law. As long as the employee is in the state of employment, he or she cannot stop paying social security.
■For employees, once the payment of social security is stopped, they will not be able to obtain corresponding protection if they encounter illness, childbirth, work-related injury or unemployment in the future;
■For employers, paying social security in accordance with the law is also an important guarantee.
When you reach the statutory retirement age,
If the pension insurance has not been paid for many years, can it be paid in a lump sum?
Whether it can be paid back or not, depending on the situation!
It is the pension insurance for urban workers
If the cumulative contribution is less than 15 years when the retirement age is reached, the contribution can be extended 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 5 years of extension;
■Those who participate in the insurance and pay contributions after the implementation of the Social Insurance Law shall continue to pay contributions until 15 years have passed before receiving a pension.
Participating in the pension insurance for urban and rural residents
There are three scenarios:
■Case one
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.
■Case 2
At the time of the implementation of the system, if the prescribed age of 60 is less than 15 years, the contribution shall be made annually until the age of 60. Retroactive contributions are also allowed, but the cumulative contributions do not exceed 15 years.
■Case three
When the system is implemented, if the pension age is more than 15 years from the age of 60, the pension shall 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?
Expired and invalidated?
Don't worry, if the pension insurance is interrupted, the insurance record will not be cleared!
The social security agency will retain the basic pension insurance relationship, keep all the insurance payment records, and the interest on the deposit amount of the personal account will also be calculated continuously, and the paid pension insurance premiums 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, 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 social security contributions are interrupted for a long time, and the number of years of contribution is not enough by the time of the statutory retirement age, the time for receiving the pension will also be postponed accordingly.
Reminder:
Employers and workers
must participate in social insurance in accordance with the law,
Participate in insurance in accordance with laws and regulations, and enjoy rights and protection!
Source丨Shen Gongshe, Ministry of Human Resources and Social Security, Shanghai Human Resources and Social Security, Economic Daily, etc. Editor丨Jiang Zhuyun