I saw this topic on Zhihu hot list today.
I have paid social security for 15 years and if I don’t pay any more, can I just wait for retirement?
In theory, it seems feasible.
According to the current application for employee pension insurance retirement, there are two necessary conditions, namely reaching the legal retirement age and the cumulative payment time is greater than or equal to 15 years.
If you meet these two criteria, you can apply for employee pension insurance retirement benefits.
In other words, if you have paid enough for 15 years, you can apply for a pension after retirement!
But is it actually possible?
The essence of this question is: I just want to pay the minimum amount, can I guarantee my pension?
First, let’s talk about the rules.
According to current regulations, the basic pension insurance for employees follows the principle of "pay more, get more, pay more, get more", that is, the longer the payment period, the higher the pension insurance benefits will be. Therefore, 15 years is just the bottom line.
In addition, in order to save costs, many companies currently on the market do not pay social security according to the actual salary level of employees, but pay according to the "local minimum wage standard". You can leave a message in the comment area to see what the proportion of such companies is. How high?
Assuming that the minimum payment period remains unchanged, you use the minimum wage as the payment base, and the period is stuck at the lowest 15 years, you can calculate how much retirement salary you can receive in the future.
I didn't count, but I guess it's not much.
Second, future pension costs are expected to increase.
Judging from the current process of aging society, the number of elderly people in society will continue to increase in the future, which will surely stimulate the vigorous development of the elderly care market, accompanied by an increase in the cost of elderly care.
During the Chinese Valentine's Day that just passed, I also received a "birth promotion" text message from the Xi'an Health Commission. This shows how young people nowadays don't like having children...
If you only want to rely on 15 years of social security contributions for retirement, it is recommended to consider the issue of future retirement costs.
Friends who have ideas and abilities can plan the elderly care market in advance, and it is estimated that there will be a lot of potential in the future.
Third, how old are you now?
Let’s take a look at the answer from Zhihu friend Gemfield.
This is indeed possible. The retirement age may be postponed, and the minimum payment period for receiving basic pension may also be extended. If you are only in your thirties or forties now, it is hard to say what will happen in the future.
Regarding pension issues, I have talked with my friends before. I think the two most critical points are savings and health.
Instead of worrying about whether social security contributions are cost-effective, how much pension you can get in the future, and how many years it will take to get your money back, it is better to do your job well while you are young and earn more money.
Social security is only a basic security, and at best it is a safety net. Facing the issue of retirement care more calmly depends fundamentally on your savings.
The second point is that what is more important than savings is your body!
At 90 years old, if you can still climb up to the fifth floor in one breath without any effort, that’s considered awesome. If you can't eat or sleep, you can only lie in bed and get an intravenous drip, and it doesn't matter how much money you have.
To sum up, for you personally, the core of the future pension issue is to make money and exercise!
Finally, I attach an animated picture, which I often send to various groups as an inspirational emoticon.
Look at this old man, he holds both sides of the horizontal bar with his hands, relies on his arm strength to hang his feet in the air, and then turns around and gets off the bar gracefully. I think he is the real man who has his destiny in his hands.
write at the end
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