1, 15 What should I do if I haven't paid the social security?
2. Then, after reaching the statutory retirement age, can it be paid in one lump sum?
3. How can I get a pension?
1. What should I do if I haven't paid social security 15?
China's normal retirement now must meet two conditions: first, the retirement age reaches the age required by Chinese medicine; Second, social security must be paid for 15 years. Only when these two conditions are met can you apply for retirement, so you can't apply for retirement without paying 15 social security, and you won't get a pension. At present, there are two ways to deal with it:
1. Continue to pay social security to 15. If the accumulated payment is delayed for 15 years within 5 years, it can be handled. If it is still less than 15 years after 5 years, it can be paid in one lump sum.
2. Apply for surrender. As the name implies, it is not to pay social security, and then choose to surrender the personal account that the individual has already paid. The same is to give up the right to receive a pension.
Second, after reaching the statutory retirement age, can it be paid in one lump sum?
According to the notice issued by Ministry of Human Resources and Social Security and the Ministry of Finance, those who have not paid social security 15 years when they reach retirement age are not allowed to pay in one lump sum. This regulation was fully implemented as early as 20 19, and will be implemented in 2020 at the latest, because there are great differences in China. The current processing method is to apply for delayed retirement, which means that you can't apply for retirement when you reach the legal retirement age. It needs to be delayed for five years. Those who have paid 15 years of social security can reapply. For those who pay less than 15 years after a delay of 5 years, they can apply for a one-time payment at that time and then apply for retirement. To sum up, those who have reached the legal retirement age and have not completed social security for 15 years cannot apply for supplementary payment, but after a delay of 5 years, those who have not completed 15 years can apply for one-time supplementary payment.
Third, how can I get a pension?
Social endowment insurance is a national welfare policy for the broad masses of the people. It can effectively guarantee the basic life after retirement, but such protection is not enough to improve the quality of life. Under such circumstances, the role of commercial pension is reflected. First of all, commercial pension insurance is also an important part of China's national pension system and has made great contributions to China's national pension cause. So how should we choose? Here are two main types of commercial endowment insurance:
1, commercial annuity pension insurance. It is a kind of commercial insurance, the insured pays the premium as agreed, and the insurance company pays the premium after reaching a certain number of years as agreed in the contract. Payment is not based on the insured's accident or illness, but on time, usually when the retirement age is reached. Commercial annuity insurance has the characteristics of clear income, safety and dividends, and its payment method and collection method are in line with social security pension insurance, so commercial annuity insurance is a good choice.
2. Life insurance. As the name implies, the life of the insurer is the object of insurance. Under normal circumstances, after the insurance contract expires, the insured survives, so the insurance company pays the insurance money. Similarly, if there is an accidental death in the middle, the insurance company will also pay. This kind of insurance can effectively protect the family.
Four. abstract
Social security is the welfare of the national economy and people's livelihood, and everyone should respond positively. In order to avoid the situation that you can't retire normally, you should check your social security situation in advance and make plans for yourself in advance. At the same time, if conditions permit, we should consider configuring certain commercial insurance. If social security alone cannot improve the quality of life, we need to combine social security with commercial insurance to better protect our future life! If you are still confused and don't know how to buy insurance, you can consult a professional and excellent insurance broker. Because professional insurance brokers will make a comprehensive evaluation and tailor the plan according to your problems and needs, Baibaojun has a professional and powerful insurance team to match the exclusive consultant that suits you best. Baidu searches for "Baibaojun" to provide you with more professional insurance.