[Explanation] Recently, the news of a 27-year-old man who has paid social security for 15 years has been on the hot search. He has worked for 6 years and paid social security for 6 years. At the same time, he compensated for 10 years of social security due to demolition and relocation, and the social security payment period has reached 15 years.
What does it mean to pay social security for 15 years?
Do I still need to pay after 15 years?
On August 11, the reporter interviewed Zheng Bingwen, director of the World Social Security Research Center of the Chinese Academy of Social Sciences.
[Concurrent] Zheng Bingwen, Director of the World Social Security Research Center, Chinese Academy of Social Sciences
The payment period of basic old-age insurance has a minimum payment period in various countries. The minimum payment period in my country is 15 years.
You can "lay flat" and you can stop paying after 15 years, there is no problem, but it does not mean that you can get a pension after 15 years. To get a pension, you must reach the age of 60, whether male or female.
[Explanation] Zheng Bingwen said that 15 years is only the minimum payment period for endowment insurance. If you choose to continue to pay social insurance, you can "pay more and get more".
[Concurrent] Zheng Bingwen, Director of the World Social Security Research Center, Chinese Academy of Social Sciences
The basic old-age insurance for urban and rural residents and the old-age insurance for urban employees have similar calculation and payment methods and formulas, both of which are account pensions plus pooled pensions.
The 27-year-old guy's pension in his personal account is calculated and paid by dividing all account assets at retirement by 139. If you only have 10,000 yuan in your account, how much is 139 divided by you?
If you pay more than 50,000 yuan, how much is 139 divided by?
The balance of the overall pension plan is also the more you pay. The amount of pension you get is much different from the one you pay for 15 years and the one you pay for 30 years.
[Explanation] Zheng Bingwen introduced that the main items in social security not only include endowment insurance, but also medical insurance, unemployment insurance, work injury insurance, and maternity insurance, of which medical insurance is also very important.
[Concurrent] Zheng Bingwen, Director of the World Social Security Research Center, Chinese Academy of Social Sciences
For urban and rural residents, one insurance is pension and the second is medical insurance. These two insurances must be paid.
When you suffer from a disease, if you don't have social insurance, I am afraid that many sick individuals cannot afford it. If you join the basic medical insurance, many expenses can be solved in it.
[Explanation] How do people without a fixed occupation get social security?
Zheng Bingwen introduced that they can participate in the basic endowment insurance for urban and rural residents.
[Concurrent] Zheng Bingwen, Director of the World Social Security Research Center, Chinese Academy of Social Sciences
People with flexible employment who do not have a fixed job can only participate in the basic endowment insurance for urban and rural residents. Participating in this system is relatively simple. Just go to the relevant department, go to the street, and go to the social security office to register, as long as it is before the age of 60. .
[Explanation] In recent years, illegal supplementary payments and defrauding social security caused by affiliated social security have occurred from time to time. Is it legal for unemployed people to rely on social security?
[Concurrent] Zheng Bingwen, Director of the World Social Security Research Center, Chinese Academy of Social Sciences
Some are legal, some are not, and some are paid by the talent file department, talent exchange center, and file storage department. They cooperate with the third-party platform that pays the fees, which is legal.
Therefore, I also hope that the majority of the insured personnel will do some screening, so as not to let some criminals be deceived.
Dong Zeyu reports from Beijing
Responsible editor: [Li Ji]