According to China's social security policy, pension insurance has been paid for 15 years, and after reaching the statutory retirement age, you can receive a monthly pension. However, this does not mean that you are no longer required to pay social security before you have reached retirement age and have paid social security for 15 years. Here are suggestions on the subject:
1.Social insurance includes more than endowment insurance: social insurance includes five insurances and one housing fund, namely endowment insurance, unemployment insurance, medical insurance, work-related injury insurance and maternity insurance, as well as housing provident fund. Among them, pension insurance is only a part of social insurance. If you continue to pay social security, you can enjoy medical insurance, work-related injury insurance, maternity insurance, etc. for a longer time, which is of great significance for safeguarding personal rights and interests.
2.The number of years of payment affects the level of pension: although the pension insurance can be received after 15 years of cumulative contributions, the level of pension is closely related to the number of years of payment. The longer you pay social security, the more pension you will receive when you retire. Therefore, if the economic conditions allow, continuing to pay social security can increase the level of pension in the future.
3.Social security is linked to policies: In some cities, such as Beijing and Shanghai, social security is linked to policies such as house purchases, car purchases, and children's education. Continuing to pay social security helps protect your rights and interests in this regard.
4.Consider inflation: With inflation, the purchasing power of pensions may decrease in the future. Continuing to pay social security can increase the level of pensions in the future to cope with the impact of inflation.
5.Flexibility: Although you have paid Social Security for 15 years, if you have not yet reached retirement age, continuing to pay Social Security can give you more options before retirement. For example, there is an option to retire early or continue to work while enjoying social security benefits.
In short, although the pension insurance can be paid for 15 years after retirement, if conditions permit, continuing to pay social security is of positive significance for protecting personal rights and interests. When making decisions, a combination of individual circumstances, policy requirements and future plans should be taken into account.