For flexible employees who have paid social security for 25 years, is it necessary to continue to pay social security?
Some netizens said that since he was laid off in 2000, he has been participating in social security as a flexible employee. In addition to the social security he paid in the unit before, it has been 25 years. Now he is still some years away from the retirement age. It’s not that you still need to continue to pay, because it is enough for 15 years of retirement and retirement. If you continue to pay in your own name, the cost is relatively high, and on the other hand, you don’t know if it’s cost-effective.
This friend has paid social security in his own name for 18 years. It is not easy to persist for so long, but whether to continue to pay social security, I think at least the following three aspects need to be considered.
For flexible employees who have paid social security for 25 years, is it necessary to continue to pay social security?
- Whether the individual can continue to bear the corresponding expenses financially.
At present, paying social security by individuals is not a small investment in the economy. According to the average salary level of the previous year announced by various places in July this year, basically the minimum payment amount for pension + medical care in various places should reach more than 10,000 yuan per year. , If it is a flexible employment person with no income, it is more difficult to pay.
This fee is basically adjusted in July every year. With the development of the economy, the annual social average salary will also rise, so this fee will also increase with the growth of the social average wage. For particularly difficult flexible employment For personnel, such as laid-off workers, I don’t think it is necessary to continue to pay for the time being. It may be difficult to pay for another year. It is a better choice to wait for a conditional reunion.
For flexible employees who have paid social security for 25 years, is it necessary to continue to pay social security?
- Whether the conditions for medical insurance retirement have been met.
When people retire, they are often concerned about whether the pension insurance can retire, that is, whether the pension has been paid for 15 years, but few people care about whether their medical insurance can also retire.
Retirement of medical insurance is subject to local policies. The prevailing condition is that men need to pay for 25-30 years before they can retire, and women need to pay for 20-25 years. For those who have paid social security for 25 years, they must pay attention to whether they are It is also possible to retire with medical insurance. If it is a male, and the local needs to pay for 30 years to retire with medical insurance, it is recommended to continue to pay for medical insurance for 30 years. If you have met the conditions for medical insurance to retire, it is recommended to depend on your financial ability.
For flexible employees who have paid social security for 25 years, is it necessary to continue to pay social security?
- Whether the retirement age has reached more than 10 years.
The last point is to pay attention to the retirement age. Personally, I think that if there are more than 10 years from the retirement age, then consider it carefully. You can temporarily not pay it. If you can retire in less than 5 years, you will still grit your teeth. , hold on, after all, the more social security you pay, the more you get, and the more you pay, the more you get in the end, and it can be recovered immediately in a few years. Although paying one more year has limited impact on the pension, For retirees, a little more is always good.
Therefore, for people with flexible employment who have paid enough social security for 15 years, whether to continue to pay the premiums needs to be comprehensively considered. Of course, the most important thing is to pay more if the economy is comfortable. If life is difficult, it does not matter for a while.