Nowadays, the coverage rate of social security in China is very high, and the most direct role of social security for us is hospitalization reimbursement, and later pension. So, is there an age limit for buying social security? How old is it? Let's take a look at the latest regulations.
The latest age limit for buying social security
The main content of social security in China. First, China's social security is divided into urban workers' social security and residents' social security. The social security of urban workers is divided into two parts: on-the-job workers and flexible employees, and the social security of residents is divided into two parts: urban residents' social security and rural residents' social security. Second, the social security of urban on-the-job workers is divided into five kinds of insurance. Endowment insurance, medical insurance, unemployment insurance, family planning insurance, industrial injury insurance. Third, residents' insurance is divided into endowment insurance and medical insurance.
1、 For the first-time insured, there is a maximum age limit for the first-time insured
For the first-time insured persons, the maximum age limit is that the male is over 60 years old, the female worker is over 50 years old, and the cadre is over 55 years old. Of course, this is only the age limit in theory. In practice, no one is stupid enough to retire soon. This is because at present, our retirement policy needs to pay 15 years in total before we can enjoy the pension benefits of employees. If we still participate in the insurance for the first time at this age, it must be too much money.
What is the appropriate age for the first-time insured? This can be pushed back according to the retirement age. According to the current retirement age of 60 for men and 50 or 55 for women, it is meaningless for men to take part in the insurance after 50. It is not suitable for women to take part in the insurance after 40 for workers and 45 for cadres. That is to say, for the first-time insured persons, the maximum age of male is 50, and the maximum age of female is 45.
2、 How to limit the age of non first time insured persons?
For non first time insured persons, there is no maximum age limit for buying social security. When it comes to the legal retirement age, if they do not apply for retirement, they still want to continue to pay social security, and they can continue to pay social security all the time. There is no age limit. When some employees reach the retirement age, they still want to continue to play the role of surplus heat for the company, but the company can not continue the labor relationship in the form of reemployment after retirement, and the reemployment salary and retirement salary are less than the existing monthly income. Therefore, they do not apply for retirement temporarily, and the company continues to pay social security for them. As long as they do not apply for retirement, they can still pay social security as usual when they reach the retirement age.
There are also some netizens like the above. When they reach the legal retirement age, they can't pay enough for 15 years. Therefore, they need to continue to pay social security for a certain number of years until 15 years after they reach the retirement age. So, they are not limited by the retirement age.
It can be seen that the age limit for the first time insured and non first time insured is different. For non first time insured persons, there is no maximum age limit for purchasing social security. Therefore, the maximum age for purchasing social security is not always the same retirement age. We should be clear about this.