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What should I do if I don't have enough social security for 15 years when I retire? How to make up t

As we all know, endowment insurance should be paid for 15 years before you can get pension after retirement. So, what if you haven't paid for 15 years when you retire? How do you pay for the endowment insurance at this time?

Two conditions for pension

There are two conditions for you to get a pension. First, to meet the retirement age, at present, men are 60 years old and women are 55 years old. If retirement is delayed in the future, both men and women will retire at the age of 65; second, the cumulative payment period should be 15 years, with no interruption in the middle. A total of 15 years is enough.

So the problem comes. Many people, for various reasons, can't get a pension if they haven't paid for 15 years when they retire. Have all the money they paid in vain? At present, this situation can be solved by making up the payment, but there are many restrictions on the supplementary payment, which is not omnipotent.

How to make up the social security for the foreign and local accounts?

If you have a local account, you can continue to pay social security (up to 5 years) if you have not paid for 15 years at the age of 60. If it is the social security of employees, the payment of individuals and units should be borne by themselves. If the payment has not been fully paid up to the age of 65, one-time supplementary payment can be made and then the pension can be received.

If it is a foreign registered permanent residence, you can choose to renew the payment if you have paid enough for 10 years but less than 15 years at the age of 60. The part of social security that employees need to pay for themselves will receive pension after the payment is over;

If the foreign resident account is not paid enough for 10 years at the age of 60, under such circumstances, it can only be returned to the old home. This situation is even worse. If you work in a big city and pay social security according to a higher wage standard, you can only get low standard social security treatment when you return to your hometown after retirement. The social security of employees will become new rural insurance, new rural cooperative medical system or urban residents' Social Security.