What about those who don't buy endowment insurance? Is there any difference between men and women? In fact, I don't know if you are a male or a female, urban or rural household, the situation is different, the way to consider is different. Xiaobian takes you to have a look.
My suggestions are as follows:
If you are gay
The legal retirement age is 60 years old. As long as it is not enough, it can be insured in theory. You are 54 years old, and you can pay it for about six years from now. If you want to retire, you need to pay at least 15 years, that is, you need to pay another 9 years or so. There are two ways of thinking.
(1) Go ahead and mend
Strive to participate in social insurance for urban employees, commonly known as social security. High retirement benefits in the future. If you have a social relationship, you can join your family, friends or acquaintances in your household registration. Now you start to pay, and you can make up for 9 years ahead, and the problem will be solved.
Of course, you can also pay commission and attach yourself to a special escrow agency, but you need to select clearly to avoid being cheated.
It is the best policy to participate in the insurance in the non registered area, because the male homomorphism over 50 years old can only establish a temporary account and cannot handle the retirement procedures of the pension insurance for urban employees. However, it can be transferred back to the registered permanent residence for further treatment. One is to continue to pay for 15 years of delayed retirement, the other is to transfer to urban and rural residents social insurance, there are two ways to participate in insurance. Or participate in the social insurance of urban residents (urban household registration), or participate in the new rural insurance (rural household registration, it is recommended to participate in the new rural cooperative medical system at the same time, to solve the problem of medical expenses reimbursement). In this way, the old-age insurance can be paid to 60 years old, and then it can be supplemented for 9 years at a time, so that the retirement can be handled and the pension can be received monthly.
(2) Make up to 15 years later, delay retirement
Take part in the social insurance for urban employees, 54 to 60 years old, 6 years old, and then continue to pay for 9 years, 69 years old delayed retirement.
(3) Directly participate in social insurance for urban and rural residents
54-60 years old, has paid for 6 years, and then one-time compensation for 9 years, 60 years old normal retirement, monthly pension. Although the pension received by the residents' Insurance in the future is much less than that of the urban workers, one guarantee is better than none.
2. If you are a lesbian
Don't think about the social security of urban workers, because the legal retirement age of female workers is 50. You are too old to be insured.
What should I do?
It is suggested to take part in social insurance for urban and rural residents directly in the place of household registration. From now to the age of 60, and then make up for 15 years at a time, retire normally, and receive a pension on a monthly basis.
The above suggestions are for reference only. The national conditions are complex and the policies vary from place to place. Please understand the local policies clearly and then make a decision according to your actual situation.
I am "water and cloud are green in the grass". Welcome to pay attention to me. If you have anything to say about social security and retirement, please leave a message in the comment area and let's share and discuss. In addition, every time you like it or even leave a few words, it's the power for me to move on and serve you. I hope all the people in the world can have a place to live and depend on!