Can I retire later if I don't want to pay pension insurance after I lose my job?
Recently, some netizens asked that I have just lost my job recently, but I have only 2 years to retire. I wonder if I should pay social security in my own name?
In response to this problem, I think the primary task of the unemployed is not to consider whether to pay social insurance, but to apply for unemployment registration, apply for unemployment insurance, and receive unemployment benefits on a monthly basis.
After you can get unemployment benefits, you should consider whether you should continue to pay social insurance such as endowment insurance, and whether to pay endowment insurance can refer to the following two conditions: First, whether the endowment insurance has been paid for 15 years in total, if not, then there is no doubt that you must Continue to pay; second, for those who have paid for 15 years, they can choose to pay or not, the key is whether they have enough financial ability to pay.
Can I retire later if I don't want to pay pension insurance after I lose my job?
When thinking about economic capacity, you can refer to the following two aspects.
- Calculate the total cost for two years.
The cost of social security varies from city to city, but basically the amount is similar. It is paid according to the lowest annual fee. The annual fee is between 5,000 yuan and 10,000 yuan, and it is about 20,000 yuan for two years.
In addition, the state has a policy of halving social security costs for the unemployed under the 4050 population, and laid-off workers who are over 50 for men and over 40 for women can pay social security by half.
If you know this cost, it depends on whether the amount you pay for 2 years is worth the investment.
Can I retire later if I don't want to pay pension insurance after I lose my job?
Second, 2 years of social security expenses have little impact on pensions.
The pension amount is directly related to the payment amount and the payment period. Aside from the complicated pension calculation formulas, simply speaking, if you pay an extra 20,000 yuan in 2 years, the impact on the final pension is estimated to be about tens of yuan. In addition, if you adjust the payment period each year in the future, you can increase the pension, which can be calculated by adding up to 100 yuan per month, which is 1,200 yuan more per year.
Comparing 1,200 yuan per year with paying 10,000 or 20,000 yuan, it depends on whether you think it is cost-effective or not.
Therefore, whether or not to pay depends on the individual's financial ability to afford this piece. Of course, if you have money, you will pay well, but if you have no money, it's okay not to pay.