Recently, the topic of "before retirement age, social security has been paid for 15 years, can you stop paying money and wait for retirement?" has aroused heated discussion on the online platform. Some netizens believe that after 15 years of social security payment, it is a waste of money to pay again. Is it a waste of money? The reporter from the main station interviewed the Ministry of Human Resources and Social Security and relevant experts.
Social security refers to the social security system established by the state through legislation, supported by social security funds, and oriented to all citizens. Its purpose is to provide certain economic assistance and social services to citizens when they are old, sick, disabled, unemployed, child-bearing, etc., to ensure their basic living needs.
Article 16 of the Social Insurance Law stipulates that individuals who participate in basic old-age insurance, when reaching the statutory retirement age and having paid contributions for 15 years in total, receive basic old-age pensions on a monthly basis. Some netizens think that the social security can be paid after 15 years. Here we remind you that 15 years, only the minimum payment period for basic pension!
It is understood that the payment of pension is calculated according to many factors, such as the number of years for individuals to pay social insurance fees, payment base, and individual account balance. If you want to get a higher pension after retirement, you should remember an important principle: more pay, more pay.
Chu Fuling, Director of the Social Security Research Center of the Central University of Finance and Economics: The payment period is short, and the personal account accumulation is also small. People have paid fees for 30 or 40 years, accumulated more accounts and pension funds in individual accounts. As a result, the payment time is long, the pension received in the year of retirement will be more, the amount of pension adjustment over the years will be large, and the total amount of pension received in the lifetime will also increase.
Flexible employees are not forced to participate in social security
In addition to the payment period, netizens have questions, "Do freelancers need to pay social insurance compulsorily?"? In this regard, the reporter learned that flexible employees are not forced to pay social security, but they still follow the principle of "more pay, more pay for a long time" as mentioned in the news just now.
Chu Fuling, Director of the Social Security Research Center of the Central University of Finance and Economics: The flexible employees voluntarily participate in the basic endowment insurance for employees. Whether they pay for 15 years or 18 years, or more than 10 years, or whether they don't pay for it, he has the final say.
although Flexible employees are insured as individuals. They can freely choose whether to continue to pay after 15 years of payment. However, in view of the fact that more is paid, more is paid over time, It is recommended not to stop paying!
Experts also said that social security records are lifelong records and lifelong security, which can be queried at any time.
Chu Fuling, Director of the Social Security Research Center of the Central University of Finance and Economics: All your years will be recorded in the system. In addition, we have the Social Security Card of the People's Republic of China. You can check your payment years in the system of the Ministry of Human Resources and Social Security or the national unified social insurance public service platform, which are recorded.
Massive information, accurate interpretation, all in Sina Finance APP
Editor in charge: Zhang Wen
