Social security is our greatest social welfare, irreplaceable, although China's social security system has not been established for a long time, but after more than 30 years of efforts, China's social security system has been on the right track, and is still improving, almost all the risks that people may face in their lives are incorporated into the social security system, from birth to the end, there is medical insurance for the sick, pension for the old, injured at work, and unemployed can receive unemployment benefits.
However, the premise of enjoying these social security benefits is that you must participate in the relevant social security, in addition to the work-related injury does not need to pay personal contributions, other pension, medical insurance, unemployment and other personal payment of certain expenses. If it is an incumbent employee, there is no obstacle to payment, the unit will handle the insurance procedures for the employee, and the individual payment part is withheld and paid by the unit from the salary, but for those who have lost their jobs, or are flexibly employed, the problem of social security payment is more prominent, if the payment requirements are not met, the relevant conditions cannot be met, and the social security benefits will also be temporarily passed by.
For some of the insured personnel who are about to reach the statutory retirement conditions, if they do not meet the retirement conditions of the pension insurance, they will not be able to go through the pension retirement procedures, and they will not be able to enjoy the pension treatment, and if they cannot meet the medical insurance retirement conditions, they will not be able to go through the medical insurance retirement procedures, which will affect the medical insurance treatment after retirement.
As a result, some people try to meet the retirement conditions by making up social security contributions, but according to the provisions of the Social Insurance Law, one-time social security supplementary contributions have been gradually banned as early as 2011, and by 2016 they have been completely banned. However, in individual special circumstances, as long as certain conditions are met, there is still a chance to make up the social security at one time, I have summarized that there are three types of people when they reach the retirement age, if the social security payment period is not enough, they can make up for the minimum payment period through a one-time social security supplement, and then go through the retirement procedures, which three types of people are specific? Let's find out.
There are two retirement conditions for those who participate in the basic endowment insurance for residents: first, the minimum payment period of endowment insurance is 15 years, which does not require continuous payment, as long as the cumulative payment period reaches 15 years; The second is to reach the statutory retirement age, regardless of gender, the retirement age of resident insured personnel is uniform, all of them are at least 60 years old.
If the resident is 60 years old, the pension insurance has only been paid for 10 years, it is impossible to go through the retirement procedures, and the social security payment is still 5 years away, at this time, you can choose to make a one-time payment of 5 years of social security, or you can choose to pay year by year, both options have their own advantages and disadvantages. There is no financial subsidy for one-time supplementary payment of social security, and there is a financial subsidy for annual supplementary payment, but considering that the annual supplementary payment affects retirement, it is still recommended that one-time supplementary payment is more cost-effective.
Under normal circumstances, if it is an employee who participated in the insurance before July 2011, it has been 13 years since the payment has been made, in fact, although some people have participated in the insurance early, but due to various reasons, the actual payment period is not long, and there may only be a few years of insurance records when they retire.
In this case, after reaching the statutory retirement age, if the minimum number of years of social security contribution is still not met after 5 years of continuous contributions, a one-time supplementary payment of the remaining years is allowed. For example, Zhang San's statutory retirement age is 60 years old, but at the age of 60, the social security payment is only 5 years, if Zhang San paid for the first time before July 2011, then Zhang San continued to pay for 5 years, that is, at the age of 65, a total of 10 years, 5 years away from 15 years, at this moment is allowed to make a one-time payment of 5 years of social security, and then retire.
The length of service at the time of retirement pension insurance is recognized when the medical insurance is retired, but the minimum payment of pension insurance is 15 years, and the minimum payment period of medical insurance in most regions is more than 20 years, if the insured personnel retire when the medical insurance is only paid for 15 years, it is impossible to handle the medical insurance retirement procedures, but you can handle the medical insurance retirement under the premise of making a one-time payment of the remaining medical insurance years, but the amount of one-time supplementary payment is often relatively large, which will affect the enthusiasm of some personnel to make a one-time supplementary payment.
To sum up, with the improvement of the social security system, the social security payment is becoming more and more difficult, but the supplementary payment that meets certain conditions is still allowed, reminding all the insured personnel, those institutions that help the insured to make a one-time supplementary payment of social security, are often unreliable, and they must keep their eyes open to avoid falling into the pit. Quality content incentive program