For this problem, whether it is necessary to pay back the money depends on personal circumstances and needs. If the retirement age is approaching and the payment period is less than 15 years, then paying 90,000 yuan at a time can immediately increase the accumulation of personal pension, thus improving the quality of life after retirement. On the other hand, if the current economic situation allows, there are high expectations for the future pension life, and it is also worth considering a one-time payment.
First, the interpretation of Anhui pension policy
Anhui province implements the basic old-age insurance system for enterprise employees, and stipulates the calculation method and payment standard of pension. According to the policy, the longer the individual payment period, the higher the pension benefits he receives. At the same time, the policy also allows individuals to choose to pay the old-age insurance premium in one lump sum when they reach the statutory retirement age and the payment period is less than 15 years.
Second, the advantages and disadvantages of paying back the pension
Pro: Paying 90,000 yuan in one lump sum can increase the accumulation of personal pension, thus improving the quality of life after retirement. In addition, after the payment, the individual can enjoy the monthly pension immediately if the payment period reaches 15 years.
Disadvantages: One-time payment of 90,000 yuan may be a big expense for some people, which may bring certain economic pressure to current life. In addition, the investment return of pension is uncertain, so the actual income after payment may not meet expectations.
Third, the factors that determine whether to pay the consideration
Personal information: including age, health status and family status. If you are close to retirement age and the payment period is less than 15 years, it may be wise to choose one-time payment.
Economic situation: If the current economic situation permits and there are high expectations for the future old-age life, it is also worth considering a one-time payment. On the other hand, if the economic situation is tight, you may need to weigh the pros and cons before making a decision.
Pension planning: People who have a clear plan for their future pension life may prefer to pay in one lump sum to ensure the quality of life after retirement. For those with unclear pension plans, more consideration and trade-offs may be needed.
To sum up:
Can't generalize "Is it necessary for Anhui pension to have a sexual intercourse of 90,000?" . It is necessary to comprehensively consider personal circumstances, economic conditions and pension planning to make a decision. If you are close to retirement age, and the payment period is less than 15 years, or the economic situation permits and you have high expectations for the future pension life, it may be wise to choose a one-time payment. On the other hand, you need to weigh the pros and cons before making a decision.
Legal basis:
Article 16 of the Social Insurance Law of People's Republic of China (PRC) stipulates that individuals who have participated in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.