Can we just "sit back and wait for retirement"? , after paying social security for 15 years
Recently, the issue of social security payment has once again aroused widespread discussion. The Liberation Daily·Shangguan News interactive message board also received messages from netizens asking: "If my social security payment period has reached 15 years, can I directly enjoy the basic pension insurance benefits without making further payments?" Regarding social security payment , pension collection and other issues, the reporter specifically consulted the Shanghai Human Resources and Social Security Bureau to answer questions for readers.
Question: After paying social security for 15 years, is it no longer necessary to pay again?
According to the "Social Insurance Law of the People's Republic of China", the employer shall apply to the social insurance agency for social insurance registration for its employees within 30 days from the date of employment. Employers shall declare themselves and pay social insurance premiums in full and on time. Payment shall not be postponed or reduced except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and paid by the employer.
In other words, although paying for 15 years has satisfied the current payment period requirements for applying for basic pension benefits, as long as there is a labor and employment relationship with the unit, the legal obligation to participate in social insurance must be fulfilled.
Moreover, the social insurance paid by enterprises and workers includes basic pension insurance, medical insurance, work-related injury insurance and unemployment insurance. When workers are old, sick, have a child, are injured at work or are unemployed, they will receive corresponding protection. For example, for workers, if they pay pension insurance, they can receive pensions after retirement, and the longer the payment period and the higher the payment level, the more pensions they will receive after retirement; for enterprises, according to the law, Payment is also an important guarantee. For example, in terms of work-related injury insurance, when an employee suffers a work-related injury accident, an unit that pays work-related injury insurance in accordance with the law will pay the prescribed medical expenses, work-related injury benefits, etc. from the work-related injury insurance fund, reducing the employer's risk of work-related injury expenses. Therefore, only by paying social security in accordance with laws and regulations can you better enjoy the protection provided by the social insurance system.
Question: What should I do if my total social security contributions have not been completed for 15 years when I reach retirement age?
Answer: According to regulations, when an individual participating in the employee basic pension insurance reaches the statutory retirement age, if the cumulative payment is less than 15 years, the payment can be extended to 15 years. If you participated in the insurance before the implementation of the Social Insurance Law and extended the payment for 5 years but it is still less than 15 years, you can make a one-time payment to reach 15 years.
It should be reminded that 15 years is only the minimum payment period for receiving a pension. If the payment base is the same, the longer the payment period, the higher the pension.
Question: Do the payment periods for pension insurance have to be consecutive?
According to the "Social Insurance Law of the People's Republic of China", individuals who participate in basic pension insurance and have made cumulative contributions for 15 years when they reach the statutory retirement age will receive a basic pension on a monthly basis. What I'm talking about here is "accumulation", not "continuation". The payment years before and after the payment interruption can be calculated cumulatively. There is no payment period that will be cleared. As long as the total number of years is 15 years when you retire, it will be enough.
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