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Is it OK not to pay the pension for 15 years? How much can I get in 15 years

When people grow old and lose their ability to work, they don't have a fixed income to support themselves. Many people like to rely on their old age by paying their pension. Will they pay it 15 years later?

Is it OK not to pay the endowment insurance for 15 years.

1. The minimum requirement is that the total payment period is more than 15 years. If you are young, you'd better pay more for a few years, or try to pay more for a few years in the enterprise. In the future, the pension will be higher, and you can enjoy medical insurance when you pay;

2. According to the current policy, when freelancers and self-employed people pay money, women really can't retire until they are 55 years old, and men are 60 years old; if they pay in enterprises, men are 60 years old, and women are 50 years old (55 years old in management positions).

For those who have paid up to 15 years in total according to the regulations, they can receive a monthly pension at the retirement age, and those who have not paid up to 15 years will be returned to the part paid by the individual at one time. But the more you pay, the more you get. Therefore, it is suggested to continue to pay with conditions.

There is no policy basis for not paying the pension for 15 years. If the accumulated payment has not reached the retirement age for more than 15 years, the payment obligation shall be fulfilled normally. Otherwise, when you retire, you cannot go through the retirement procedures smoothly (make up the arrears).

The endowment insurance regulations clearly stipulate that paying for 15 years is the basic condition for enjoying the endowment insurance treatment. You need to pay for another 5 years of insurance, and you can enjoy it when you retire. However, if you are re employed and the new unit has insured the endowment insurance for you, even if you have completed 15 years, you must continue to pay, because this is mandatory in the regulations. In addition, at present, China implements the old-age insurance system of unified accounting (social pooling and individual account). The amount of pension payment in the future is closely related to the accumulated amount of individual account. That is to say, the longer you pay, the more you pay, the higher the amount of your pension in the future. Therefore, if your economic conditions permit, it is better to continue to pay after 15 years.

Pension insurance can be waived after 15 years, but your retirement pension can only be calculated according to the social average when you stop paying.