Endowment insurance, the full name of social basic endowment insurance, is a kind of social insurance system established by the state and society according to certain laws and regulations to solve the problem that the laborer reaches the labor age limit for relieving the labor obligation stipulated by the state, or the basic life of the laborer after the old age loses the ability to work and leaves the post. Can endowment insurance be paid in one time? How to make up for endowment insurance?
First of all, it depends on which kind of social insurance you are participating in, that is, endowment insurance for urban and rural residents or endowment insurance for urban employees. The policy of the two kinds of insurance is different. Even if it is the same kind of insurance, the policies in different regions are not the same. So we should treat them differently. In general, the former allows one-time supplementary payment, while the latter is not necessarily analyzed in detail.
If it is endowment insurance for urban and rural residents, it is allowed to make up one-time payment
The endowment insurance of urban and rural residents is fixed file quota everywhere, and they voluntarily choose the payment standard and pay by year. The national fixed file situation is divided into five files at the lowest level and 14 files at the highest level. From 100-200 yuan in low quota areas, the highest in high quota areas is 1000-9000 yuan in Beijing. The payment amount is allowed to be changed in the middle of the process. In most regions, it is allowed to make up one-time payment. It is also allowed to make up one-time payment when you are 60 years old and retire. Pay more, pay more. It depends on local policies.
Whether the endowment insurance for urban workers is allowed to be paid up depends on the local policies and the specific situation of the individual
If you are participating in the endowment insurance for urban workers, it is much more complicated. What China implements is a provincial-level overall planning, not a national overall planning. When it comes to specific operations, it depends on the local policies. It depends on which area you are in and whether the local policies allow it or not. Combined with your personal situation, determine the appropriate methods, which vary from person to person.
For example, in some areas, people with local accounts are allowed to reach the legal retirement age. If the social security payment period is 10 years or less, they can make up for it in one time. Some areas stipulate that those who have participated in the insurance before are allowed to make up the payment. Those who have not participated in the insurance are not allowed to make up the payment, but they can continue to make the payment. When will they pay enough for the minimum payment period of endowment insurance for 15 years and when will they delay the retirement. In some areas, people with previous work units and personnel files are allowed to make up the payment. In some areas, people released after serving their sentences are allowed to make up the payment according to the lowest level of flexible employees for 15 years. Retirement and other different situations are complicated, and the specific local policies prevail.