The social endowment insurance can not be paid after 15 years, because the endowment insurance can only be received after 15 years. However, the basic pension is determined according to such factors as individual cumulative contribution years, contribution wages, average wages of local employees, individual account balance, average life expectancy of urban population, etc.
 According to the Social Insurance Law, individuals who have participated in basic endowment insurance and have paid for at least 15 years when they reach the statutory retirement age will receive basic endowment insurance benefits on a monthly basis.
 Individuals who have participated in basic pension insurance and have paid less than 15 years of contributions accumulatively when they reach the statutory retirement age can pay up to 15 years of contributions and receive basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding pension insurance benefits according to the regulations of the State Council.
 Legal basis
 Article 16 of the Full Text of the Social Insurance Law of the People's Republic of China, an individual who has participated in the basic old-age insurance and has made contributions for 15 years accumulatively when reaching the statutory retirement age, shall receive the basic old-age pension on a monthly basis.
 Individuals who have participated in basic pension insurance and have paid less than 15 years of contributions accumulatively when they reach the statutory retirement age can pay up to 15 years of contributions and receive basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding pension insurance benefits according to the regulations of the State Council.