China stipulates that as long as you pay enough social security for the 15th anniversary before retirement, you can enjoy pension and endowment insurance after retirement. Pension and endowment insurance are extremely important guarantees after retirement, which makes it particularly important to pay social security. At present, social security contributions are borne by units, enterprises and employees, with units and enterprises bearing most of them and employees bearing a small part, which is very cost-effective in terms of long-term development. New social security regulations in 221: You can make a one-time payment, but you need to meet three conditions, as follows: New social security regulations in 221: You can make a one-time payment, but you need to meet three conditions, as follows: 1. Employees of state-owned enterprises and institutions who retired before 211. 2. educated youth who went to the countryside between 1969 and 1982, and their household registration should be in the place where social security was paid. 3. Retirees who have paid social security locally before 211 and are 65 years old for men and 6 years old for women. There are four ways to pay back social security, as shown below: First, make up by year. According to the regulations, men retire at the age of 6, and women retire at the age of 5. When they retire, they find that the paid social security period is three or five years short of the prescribed period before they reach 15 years. In this case, they can go through the retirement formalities after paying back, and they can receive a monthly pension after retirement. However, according to the length of the overdue payment, a certain amount of late payment fee will be increased, which needs to be borne by yourself. Second, delay retirement. Delayed retirement, as its name implies, is to extend the retirement time, continue to work in the years when it should be retired, and pay monthly to make up for the gap in social security amount for the lack of years. However, there are regulations for delaying retirement, which can only be delayed for five years at most. At the same time, we also need to do what we can according to the situation. If you are ill and not suitable for delaying retirement, don't insist. Third, turn to social security for urban and rural residents. At present, social security in China is divided into urban workers' social security and urban and rural residents' social security. 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 employees during your working life, you can apply for changing to resident social security when you retire before the 15th anniversary, so you can pay the 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 is 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 difficult situation 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.