After the age of 50, the number of people who regret not buying social security has increased, and they have taken precautions to plan for the elderly!
Many people reach the age of 50 and regret not paying social insurance. All I can say is that some people are past the statutory retirement age of 50, men may have less than 10 years left, and women have reached the statutory retirement age. So this time, if they realize that they don't pay social security and regret it, then it must be 11 million, because the pension insurance for urban workers does not allow them to retire directly and enjoy the treatment of receiving a monthly pension before they make a one-time payment of 15 years at the statutory retirement age. Therefore, it can be said that we can only give up the pension insurance for urban workers.
We can participate in another kind of old-age insurance - old-age insurance for urban and rural residents, because the characteristics of old-age insurance for urban and rural residents are: before the age of 60, you can make a one-time payment for 15 years, but it can only be used as a unified retirement age for men and women. 60 does not coincide with the retirement age of 50 or 55 for women, so women should retire at least 5 to 10 years later. If they don't realize it until they're 50, it's obviously too late. Because, on the one hand, it is not possible to pay, on the other hand, it is not realistic to participate in the pension insurance for urban workers, which is inconsistent with the normal statutory retirement age, but may have to delay retirement, retirement over 60 years old, or even retirement over 65 years old is not cost-effective.
In fact, we have said this question many times, that is, we need to participate in the basic pension insurance as early as possible, especially before the age of 45. Even women don't retire at the normal statutory retirement age until they are 40 years old. Enter retirement and enjoy a monthly pension. If you don't realize it until you're 50 years old, many people may regret it, because for example, as a woman, you have reached the age of 50, and you can get a pension when you see some friends of the same age around you, although the pension may not be very high, but at least there may be one or two thousand yuan or even two or three thousand yuan.
But now you can't get any income from your pension. This feeling of loss can be imagined, which is why they lament. For such a problem, then at the age of 50, I think it is still too late to establish urban and rural residents' pension insurance, after all, you can only enjoy the treatment of receiving a monthly pension at the age of 60, and urban and rural residents' pension insurance is available. The advantage of this is that you can make a lump sum payment for 15 years before retirement, and enjoy the treatment of a monthly pension directly after retirement.
Therefore, as long as you have the ability, you can choose a relatively higher level of insurance payment, because from 2019, in order to break through the maximum payment limit of 2,000 yuan, you can choose a higher standard, such as 3,000 yuan a year, or even 4,000 yuan a year. Because the higher the level of contributions, the higher the level of pension benefits received in the future, and the higher the amount of contributions, the higher the level of pension benefits received in the future, which is very beneficial to individuals. Therefore, there is no problem in establishing old-age insurance for urban and rural residents sooner rather than later.
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