Recently, the related topic of "before the retirement age, social security has been paid for 15 years, can I no longer pay money and wait for retirement?" Some netizens believe that after 15 years of social security payment, the repayment is a free payment, and whether it is paid in vain? A reporter from the main station interviewed the Ministry of Human Resources and Social Security and relevant experts.
Social security refers to the social security system established by the state through legislation, relying on the social security fund, and facing all citizens. Its purpose is to provide citizens with certain economic help and social services in the case of old age, illness, disability, unemployment, childbirth, etc., so as to ensure their basic living needs.
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. Some netizens believe that it is enough to pay social security for 15 years, and I would like to remind everyone that the 15 years mentioned here is only the minimum payment period for receiving a basic pension!
It is understood that the issuance of pensions is calculated according to many factors such as the number of years that individuals have paid social security contributions, the payment base, and the balance of personal accounts. If you want to get a higher pension after retirement, you must remember an important principle, pay more, pay more, pay more.
Chu Fuling, Director of the Social Security Research Center of the Central University of Finance and Economics: The payment period is short, and the accumulation of personal accounts is also small. People have paid for 30 or 40 years, and there are many account accumulations and personal account pensions. Therefore, if you pay for a long time, you will receive more pension in the year of retirement, and the amount of pension adjustment over the years will be larger, and the total amount of pension you will receive in your lifetime will also increase.
In addition to the payment period, some netizens have questions, "Do freelancers need to pay social security compulsorily"? In this regard, the reporter learned that flexible employees are not forced to pay social security, but they still follow the principle of overpayment and long-term payment as mentioned in the news just now.
Chu Fuling, Director of the Social Security Research Center of the Central University of Finance and Economics: Whether flexible employees voluntarily participate in the basic pension insurance for employees, whether he pays for 15 years or 18 years, or for more than ten years, or he does not pay, he has the final say.
Although flexible employees are insured as individuals, and they can freely choose whether to continue to pay after 15 years of payment, it is recommended not to stop paying because they pay more and pay more for a long time!
Experts also said that social security records are lifelong records and lifelong guarantees, and they can be queried at any time.
Chu Fuling, Director of the Social Security Research Center of the Central University of Finance and Economics: All your years will be recorded in the system. And we have the social security card of the People's Republic of China, you can check your payment period in the system of the Ministry of Human Resources and Social Security or the national unified social insurance public service platform, which is recorded.
How do you calculate how much pension you can get when you retire?
The Ministry of Human Resources and Social Security has published the website of the National Social Insurance Public Service Platform. Click on the corresponding link, enter the corresponding parameters, and you can estimate your pension. The interface is as follows↓↓↓
(Source: CCTV News, Observer Network)