There are four ways to pay social security, as shown below:
First, fill it up every year. According to the regulations, men retire at the age of 60 and women retire at the age of 50. When they retire, they find that the payment period of social security is three to five years short of the prescribed period before reaching 15. In this case, they can go through retirement procedures after paying back the money and receive a monthly pension after retirement. However, according to the length of overdue payment, a certain late payment fee will be added and you need to bear it yourself.
Second, delay retirement. Delaying retirement, as the name implies, means extending retirement time, continuing to work in the year when you should retire, and paying monthly fees to make up for the gap in social security amount for less than a few years. However, there are regulations for delaying retirement, which can only be delayed for five years at most. At the same time, we need to do what we can according to the situation. If you are ill and it is not suitable for delaying retirement, don't insist.
Third, turn to social security for urban and rural residents. At present, China's social security is divided into social security for urban workers and social security for urban and rural residents. Social security for urban workers is "pay more and get more". The more money you pay, the higher your pension will be. If you have paid social security for your employees during your working life, you can apply to become a resident social security when you retire before the fifth anniversary of/kloc-0, so that you can pay social security for the unexpired period in one lump sum, but the subsequent pension will be less, which needs serious consideration.
Fourth, give up paying social security. If you choose to give up paying social security, the social security fees you paid before will be returned after retirement, but you can no longer enjoy the benefits brought by social security.
I suggest that you don't choose to give up paying social security, because after retirement, with the growth of age, your physical condition will be much worse than before, your working ability will be reduced accordingly, and your dependence on social security will be high. If you give up paying social security, you may face the dilemma of looking down on illness and being unable to support your old age in the future. Therefore, paying social security is beneficial and harmless. I suggest that you must choose to pay social security when the social security payment period is insufficient.
Legal basis: social insurance law
Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.
The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.
Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.
Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.