"After 15 years of social security contributions, can I not pay again?".No, you can't!》Most workers are looking forward to a comfortable old age after the pension is satisfied, but as an ordinary worker, paying social security for 15 years does not mean that you can stop paying social security fees. The payment of social insurance is a legal obligation, and social insurance is a social security system established by the state, and both employers and workers must participate in social insurance in accordance with the law. Failure to pay social security will result in penalties. Therefore, as long as there is still a labor and employment relationship, it must be insured in accordance with the law, and social security cannot be stopped.
Social security contributions involve not only pension insurance, but also medical insurance, maternity insurance, work-related injury insurance and unemployment insurance. The suspension of social security contributions will affect the protection benefits of employees in the event of illness, maternity, work-related injury or unemployment. For employers, paying social insurance in accordance with the law is also to protect their own interests, for example, when an employee is injured at work, the work-related injury insurance** can pay for medical expenses and work-related injury benefits, so as to reduce the risk expenditure of the employer. In addition, meeting the cumulative contributions of pension insurance for 15 years is only one of the conditions for applying for retirement, which does not mean that you can retire directly.
The conditions for retirement in Wuxi include reaching the national and provincial retirement age, which is 60 years old for men, 55 years old for female cadres, and 50 years old for female workers. In summary, 15 years of social security contributions does not mean that you can stop paying social security premiums, and you still need to participate in the insurance according to law. The suspension of social insurance payment will affect the employee's medical, maternity, work-related injury and unemployment benefits, and will also increase the risk expenditure of the employer. In addition, meeting the cumulative contributions of pension insurance for 15 years is only one of the conditions for applying for retirement. So, how to better protect your rights and interests in working life?What are your thoughts and suggestions?
Pension insurance: Can I get a pension after 15 years of social security?If you are an ordinary worker, you have only met the "threshold" of enjoying basic pension insurance benefits after paying social security for 15 years, and you cannot apply for a pension before you have reached the retirement age. Even if you have paid social security for 15 years, if you resign before the retirement age and no longer continue to pay social security, you will not be able to receive a pension, because the pension benefits are in Wuxi, and you need to continue to pay social security and reach retirement age before you can enjoy it.
However, if you continue to pay social security and extend the payment period on the premise of meeting the 15-year basic pension insurance payment period, the pension level will be improved, and the individual's old age life will be more secure. Because, the basic pension insurance treatment is directly related to the number of years of individual contributions, the longer the payment period, the larger the payment base, the more pensions received after retirement, that is, we often say "long pay more, pay more". Therefore, 15 years is only the minimum payment period of pension insurance, and on this basis, continuing to pay can improve the pension level in the future, and the individual's old age life will be more secure.
If you have reached retirement age and have not paid for 15 years, you can extend your contributions until 15 years before receiving your pension. According to Article 2 of the Decree of the Ministry of Human Resources and Social Security (No. 13), when an individual participating in the basic pension insurance for employees reaches the statutory retirement age, the cumulative contribution is less than 15 years, and the payment can be extended to 15 years. If the insurance is still less than 15 years after the implementation of the Social Insurance Law and the extension of the payment for five years, a one-time payment may be made up to the full 15 years. Therefore, if you retire with less than 15 years of accumulated contributions, you can extend your contributions until 15 years have elapsed before receiving your pension.
While you may choose to make a lump sum social security contribution after retirement age, this is not a wise choice. Because the pension insurance is calculated according to the cumulative number of years of payment, once you stop paying halfway, the previous years of payment will be invalid, which will have an impact on your pension benefits. Therefore, in order to protect the old age life of individuals, it is recommended to pay social security continuously as much as possible, and continue to pay to improve the pension level under the premise of meeting the 15-year basic pension insurance payment period, so as to better plan for their later life.
All in all, paying social security for 15 years is only the basic threshold for receiving pension insurance benefits, and continuing to pay social security and increasing the payment period is the fundamental way to protect one's life in old age. Therefore, it is recommended that you continue to pay social security as much as possible during your work, and choose a suitable payment plan according to your actual situation, so as to fully prepare for your later life. How do you think social security should better protect individuals in their later years?