In the era of continuous social and economic development, people are constantly pursuing a better life, and social security has become an indispensable existence.
Nowadays, many people can receive a pension after retirement, but they must pay social insurance contributions on a monthly basis in their previous jobs, and if it is a form of salary payment, they need to pay for 15 years, so that they can enjoy a stable pension income every month, so as to obtain old-age security.
However, in real life, there are also cases where the elderly meet the statutory retirement age, but do not meet the minimum contribution period. Including social security payment and social security affiliation, how to deal with this situation?
01.
Social security is less than 15 years
How do I make a retroactive payment?
According to the current regulations, social security can only enjoy pension benefits after retirement if the following two prerequisites are met:
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, what should be done if the insured person meets the statutory retirement age, but the social security contribution has not been completed for 15 years? At present, there are several ways to deal with it:
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 paid social security for 15 years, and you can make up the payment every year, so that you can get social insurance benefits when you retire. However, a late fee must be paid to cover the annual fee.
2. Delay retirement
If you have reached the statutory retirement age, but have not paid social security for 15 years, and want to enjoy stable pension security in the future, you can apply for delayed retirement and continue to pay social security while working until the payment reaches the specified number of years.
3. One-time payment
Under the new regulations, a one-time supplementary payment can be made only if the following conditions are met:
(1) Employees of state-owned enterprises and institutions who retired before 2011;
(2) young intellectuals who went to the countryside from 1961 to 1982;
(3) Retirees aged 65 for men and 60 for women have paid social security in the local area before 2011.
4. Convert to resident social security
If there is still a long period of time before the insured person meets the requirements of 15 years, in this case, it is obviously not cost-effective to make supplementary contributions, and it can be considered to convert the employee social insurance into resident social insurance.
Although the pension treatment will be lower than that of employees after adopting this method, at least the basic rights and interests of the insurer can be maintained.
5. Suspension of Social Insurance
If you have paid social security for less than 15 years and you really don't want to make up the payment, you can also apply for surrender, and the money you paid before will be refunded. However, before surrendering, we must be clear about the consequences, social security is not only about pension, but also related to medical treatment, once surrendered, there is no way to enjoy medical insurance and pension benefits after retirement.
02.
What are the risks of social security payment?
In real life, in order to enjoy social security benefits, obtain the qualification to buy a house, and avoid the discontinuation of social security payments, some people attach social security to a payment company, or attach social security to the company of relatives and friends, but in fact, the two parties have not established a real labor relationship.
According to the relevant regulations, these behaviors are all fraudulent acts of fictitious labor relations to defraud the qualification for social security participation, which is illegal.
Once found, they will not only be required to return the social insurance money obtained by fraud, but will also be fined between two and five times the amount of the fraud.
03.
What should I do if the social security payment is interrupted and the supplementary payment is made?
Regarding whether the social security payment can be repaid, there are also several situations:
1. If you resign and have no job, and the social security payment is interrupted, you cannot make up the payment. Only the unpaid social security contributions due during the employment period of the unit can be paid retroactively.
2. If the social security premiums of flexible employees are interrupted, they cannot be paid back. According to the relevant regulations, flexible employees shall pay the fee on a monthly basis, and shall not increase the payment period by retrospectively making up the payment.
3. If the reemployer fails to pay social security in time due to various reasons, resulting in the interruption of the employee's pension insurance relationship, the employer needs to make supplementary contributions, but the employees themselves cannot make supplementary contributions.
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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