【People's Livelihood Investigation Bureau】
Editor's note: This is the People's Livelihood Investigation Bureau.
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China News Service, August 11 (Chief Financial Reporter Li Jinlei) "The 27-year-old guy has paid social security for 15 years" was on the hot search and attracted attention.
According to media reports, the young man was born in 1995 and has paid social security for 15 years, including 6 years of work and 10 years of compensation for demolition.
Some netizens are concerned, what is the 10-year social security for demolition compensation?
I have paid social security for 15 years, do I still need to pay it again?
Is it possible to retire early?
Data map: People handle social security business.
Photo by China News Agency reporter Zhang Bin
What social security policies do the land-expropriated farmers enjoy?
In fact, demolition compensation and social security generally involves the social security policy of the land-expropriated farmers.
This is clearly stipulated in the relevant laws and regulations.
According to the "Social Insurance Law", the expropriation of rural collectively-owned land shall be arranged in full for the social insurance premiums of the land-expropriated farmers, and the land-expropriated farmers shall be included in the corresponding social insurance system in accordance with the provisions of the State Council.
The Implementing Regulations of the Land Administration Law clarifies that social security expenses are mainly used for social insurance payment subsidies such as endowment insurance for eligible land-expropriated farmers, and are separately paid in accordance with the regulations of provinces, autonomous regions and municipalities directly under the Central Government.
What social security policies do the land-expropriated farmers enjoy?
In 2019, the official WeChat account of the Ministry of Human Resources and Social Security made a special interpretation of this issue: in 2006, the General Office of the State Council forwarded the "Notice of the Ministry of Labor and Social Security on Doing a Good Job in Employment Training and Social Security Work for Land-expropriated Farmers", which clearly requires urban planning. The land-expropriated farmers in the area, and the qualified areas can include the land-expropriated farmers into the urban employee pension, medical care, unemployment and other social insurance coverage, and solve their basic living security problems through the current urban social security system.
At present, all provinces (autonomous regions and municipalities) across the country have issued social security policies for land-expropriated farmers in accordance with the requirements of the State Council.
Taking Zhejiang as an example, in 2020, Zhejiang issued the "Notice on Further Doing a Good Job in the Participation of Land-expropriated Farmers in Basic Endowment Insurance". Land-expropriated farmers generated after January 1, 2020 shall participate in employee endowment insurance according to regulations according to different situations. Urban and rural housing insurance.
Land-expropriated farmers who have not reached the statutory retirement age can participate in the employee pension insurance according to regulations.
I have paid social security for 15 years, do I still need to pay it again?
According to the current regulations, the minimum payment period for employee endowment insurance is 15 years, but after 15 years of payment, whether it is necessary to continue to pay it depends on the situation.
If you continue to work in the unit and have a labor contract relationship with the unit, then social security will continue to be paid.
If you resign, then whether to continue to pay social security depends on the individual's wishes.
Feng Wenmeng, director of the Research Office of the Public Management and Human Resources Research Institute of the Development Research Center of the State Council, told Zhongxin Finance that employees work in the unit and sign labor contracts. A better institutional guarantee.
Individuals who do not have a workplace can also participate in insurance through personal means.
It is recommended to continue to pay after 15 years of social security, because the old-age insurance follows the incentive and restraint system of "overpayment, long-term payment", and the payment period and personal account amount are directly related to future pension benefits. High, the longer the payment time, the higher the pension will be after retirement.
Therefore, it is recommended to continue to pay social security to make your retirement life more adequate.
Zhongxin Finance has noticed that there is still the possibility of extending the minimum payment period for endowment insurance in the future.
The 14th Five-Year Plan for Human Resources and Social Security Development proposes to gradually increase the minimum payment period for basic pensions.
In addition, social security includes not only pension insurance, but also medical insurance.
After the medical insurance payment reaches the minimum payment period, the basic medical insurance premium will not be paid after retirement, and the basic medical insurance benefits will be enjoyed in accordance with the state regulations.
From the current point of view, the minimum payment period of medical insurance in most regions is higher than 15 years. Recently, many places have gradually increased the minimum payment period of employee medical insurance. Men must pay for 30 years, and women must pay for 25 years.
Therefore, it is best for the insured not to be satisfied with only paying for 15 years, but to try their best to choose long-term payment and more payment.
Is it possible to retire early?
Is it possible to retire early after 15 years of social security contributions?
No, this is a misunderstanding.
For employees to retire, they must reach the statutory retirement age.
According to the current regulations, the current legal retirement age in my country is 60 years old for male employees, 55 years old for female cadres, and 50 years old for female workers.
The young man is only 27 years old. Without considering the extension of the retirement age, he is still 33 years away from retirement. He cannot retire early just because he has paid for 15 years.
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