As we all know, whether it is to pay the pension insurance for urban and rural residents or the pension insurance for employees, we need to pay social security for at least 15 years when we retire in order to get the pension. According to different regulations in different regions, you need to pay social insurance for 20-25 years in order to enjoy the "lifelong medical reimbursement" treatment.
In other words, 15 years is the "minimum threshold" for receiving a pension. If we don't pay for 15 years, we won't get the real "benefits" of social security.
But for various reasons, in reality, many people can't pay 15 years of social security when they retire, so what should we do?
Don't worry! Yu Xiaobao is here with a remedy!
Social security has not been paid for 15 years
Five ways to remedy
1. Make up the payment on an annual basis
If you reach retirement age, there are still a few years (usually three years) before you have social insurance, and you can make up the payment every year, and you can get social insurance benefits when you retire. However, in this case, a late fee will be charged to cover the annual fee.
2. Delayed retirement
If you have reached the statutory retirement age and have not yet completed 15 years of social insurance, you can apply for a delay in retirement, up to a maximum of 5 years.
When you apply for a delayed retirement, you can continue to pay social security while working.
3. Extend the payment to 15 years
When the insured person reaches the statutory retirement age, if the basic pension insurance payment for the employees of the enterprise is less than 15 years, the payment can be extended to 15 years in the place where the benefits are received in accordance with the relevant provisions of the state. Among them, if the insurance is less than 15 years before the implementation of the Social Insurance Law (July 1, 2011) and the payment is still less than 15 years after the extension of 5 years, it can be paid in a lump sum to 15 years.
Fourth, transferred to the basic old-age insurance for urban and rural residents
Insured persons can also apply for transfer from the basic old-age insurance for enterprise employees to the basic old-age insurance for urban and rural residents, and enjoy the corresponding old-age insurance benefits.
However, on the one hand, it is troublesome to deal with, and on the other hand, the treatment is lower than that of employees' social insurance.
5. Apply for termination of the basic pension insurance relationship of employees
If it has not been transferred to the basic old-age insurance for urban and rural residents, the individual may apply in writing to terminate the basic old-age insurance relationship for employees. In accordance with the procedures, the social security agency shall terminate the basic pension insurance relationship of the employees of the enterprise and pay the deposit amount in the personal account to the person in a lump sum after the written confirmation of the employee.
However, this approach is not well deprecated. Because this method has a consequence, that is, after retirement, there is no way to enjoy the benefits of medical insurance and pension.
Fish Treasure Expansion:
According to the Social Security Law, only if the following two conditions are met, social security can be paid in a lump sum:
(1) Insured before July 1, 2011
Before July 1, 2011 (before the implementation of the "Social Insurance Law of the People's Republic of China") for the first time to participate in the basic pension insurance for enterprise employees, when reaching the statutory retirement age, the cumulative contribution is less than 15 years, can be extended for 5 years, after the extension of 5 years is still less than 15 years, can make a one-time payment to the full 15 years, and then go through the retirement procedures and receive a pension.
(2) Enrolled in the insurance after July 1, 2011
After July 1, 2011 (after the implementation of the Social Insurance Law of the People's Republic of China), the first time to participate in the basic pension insurance for enterprise employees, when they reach the statutory retirement age, the cumulative contribution is less than 15 years, should continue to pay monthly contributions to the 15 years after the basic pension.
Guangdong Province has previously issued a relevant notice that if you retire at the age of retirement but have not paid social security premiums for 15 years, you can pay the remaining months in a lump sum after meeting the relevant conditions.
That is, according to the "Implementation of the Social Insurance Law of the People's Republic of China", "Notice on Improving the Relevant Provisions on the Continued Payment of Basic Pension Insurance for Enterprise Employees", "Supplementary Notice on Improving the Relevant Provisions on the Continued Payment of Basic Pension Insurance for Enterprise Employees", "Notice on Improving the Relevant Provisions on Flexible Employment Personnel Participating in the Basic Pension Insurance for Enterprise Employees", "Opinions on Further Improving the Pension Insurance Measures for Hong Kong, Macao and Taiwan Residents in Our Province" and other provisions, reaching the retirement age stipulated by the state but the payment period (including the deemed payment period) If the insured persons who do not meet the conditions for receiving the basic pension on a monthly basis and determine the place of receipt of benefits in Guangdong Province according to the provisions of the state, they can apply for a one-time lump sum payment of pension insurance premiums if they meet one of the following conditions:
1. Persons with household registration in Guangdong Province are at least 65 years old for males and 60 years old for females.
2. Persons with household registration in Guangdong Province who participated in the basic endowment insurance for employees of enterprises before June 30, 1998 (including that day), and reached the retirement age stipulated by the state, and the cumulative payment period (including the deemed payment period) was 10 years or more, and the cumulative payment time of the monthly payment period was 1 year or more.
3. Less than 15 years after the implementation of the Social Insurance Law (July 2011) and the extension of contributions for five years (including residents of other provinces and residents of Hong Kong, Macao and Taiwan who have been determined to be the recipients of benefits in Guangdong Province).
Paid social security for 15 years
How much pension can I get?
For retirees, pensions are undoubtedly the main source of income in the future. Therefore, how much pension can be received is closely related to the quality of life after retirement.
Pension calculation formula: monthly pension = monthly basic pension + monthly personal account pension
- Among them, the monthly personal account pension = personal account pension savings ÷ the number of months (195 at the age of 50, 170 at the age of 55, and 139 at the age of 60), which mainly depends on the number of years of payment, the more you pay, the more you save.
- Monthly basic pension = (average monthly salary of all employees in the previous year + average monthly indexed salary of the employee) ÷2× payment period ×1%
Here's a quick example:
Do you have any questions about the number of years of social security contributions? You can leave a message in the comment area~
We will summarize everyone's problems, sort out relevant policies for you in a timely manner, and solve your questions~
Source: Comprehensive Chengdu Human Resources and Social Security Bureau, Foshan Social Security, Guangdong Human Resources and Social Security, Certified Public Accountants, etc