I have paid social security for 15 years, and I don't want to continue to participate in the insurance in the future, can I choose to withdraw all now?It can be clearly told that after 15 years of social security, it does have the basic retirement conditions, but if it is said that before reaching the statutory retirement age, it is not possible to apply for retirement and enjoy the treatment of receiving a monthly pension. Unless you have reached the statutory retirement age, you can apply for retirement and enjoy the treatment of receiving a monthly pension, there is no doubt about this.
Of course, some people do not plan to continue to participate in the insurance after paying 15 years of social security, which is of course no problem, as long as you do not have a work unit, then you can participate in the insurance according to the way of flexible employment, which is the principle of autonomy and voluntariness, and you can choose to continue to participate in the insurance. Of course, you can also choose not to participate in the insurance, which will not be affected in any way. But if you want to say that you want to choose to withdraw from the 15 years of social security that you have paid, then this is not allowed, and there is only one way to withdraw is that after you reach the statutory retirement age, you do not have 15 years of cumulative payment period. to be able to opt out, and only to withdraw from the balance of the personal account.
That is, if you are not eligible for retirement, then you can choose to withdraw from your personal account, assuming that you have been insured for 14 years and are not eligible for retirement, and then you do not want to continue to be enrolled. In this case, you will not receive a pension, then the social security department is allowed to return, but in the process of refund, you can only withdraw from the personal account, which is equivalent to about 1 3 of your total contributions, and the remaining 2 3 is not able to withdraw, because the remaining 2 3. It is entered into the overall account, and the balance of this overall account will not be returned to you personally, so if you pay 100,000 yuan, you may only be able to withdraw more than 30,000 yuan, and the remaining more than 60,000 yuan is not able to withdraw.
In this way, I believe that you may be reluctant to quit, because this is not any benefit to you personally, and you meet the 15-year cumulative payment period, in fact, it is not allowed to withdraw, because after you reach the statutory retirement age, you can apply for retirement normally, why should you think about quitting?There is no benefit to you from withdrawing, not only will you not enjoy any pension benefits, but the amount you will return is not the total amount of your own contributions. Such an option is not worth the cost. So we should be normal, and we can apply for retirement when we reach the statutory retirement age.
And although you now say that you have met the 15-year contribution period, it meets the basic conditions for retirement, but I personally do not. It is recommended to give up paying social security, because 15 years is only a minimum payment period, and the level of retirement pension treatment after retirement in the future is also a minimum standard, so this pension will not be particularly high, so on the basis of 15 years, you should continue to participate in the insurance before reaching the statutory retirement age, so as to obtain a higher retirement pension treatment, which is the best choice for individuals.
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