preface
With the acceleration of the aging process of the population in the eastern countries, the issue of pension has always attracted the attention of all sectors of society. At present, a high-profile topic is the problem of not being able to receive a pension after less than 15 years of social security contributions. According to the relevant regulations, the minimum payment period of social security in the eastern country is 15 years, and if the employee does not meet this standard, he or she will not be able to enjoy the pension treatment he deserves. Among them, employees of private enterprises often face greater pressure on employment and social security contributions, and how to solve their pension problems has become a livelihood problem that needs to be solved urgently.
It is relatively easy for employees of public institutions to meet the social security payment period
Under the current pension insurance system, both public institutions and private enterprises need to pay social security in accordance with the standards stipulated by the state, so as to lay the foundation for future pensions. In contrast, it is relatively easier for employees of public institutions to meet the requirements of the number of years of social security contributions. Because employees working in public institutions are generally "iron rice bowls", and those who work stably in the unit can also pay social security stably, they rarely have paid social security for less than 15 years.
Employees of private enterprises are facing greater pension problems
In contrast, employees of private enterprises will face greater pressure on employment and social security contributions. Because the development of private enterprises is often accompanied by certain market risks, their work is relatively unstable, which brings certain difficulties to social security payment. Once the social security contribution is less than 15 years, it means that they cannot receive the pension they should receive when the statutory retirement age arrives, which will undoubtedly have a great impact on their lives and will also increase the pressure of social pension insurance.
Retire first and then make up social security contributions
In response to the current general concern about the problem of less than 15 years of social security contributions, the relevant departments are also aware of the risks and challenges involved, and they are also actively exploring and studying corresponding solutions. According to the current policy, old employees can choose to retire first and then pay social security to solve this problem. That is to say, when they reach the statutory retirement age, even if they do not meet the 15-year social security payment period, they can go through the retirement procedures first, and continue to pay social security for themselves through certain ways and methods until they meet the conditions for receiving it.
Delay retirement and pay contributions while working
In addition to retiring first and then paying social security, there is also a solution that allows older workers to delay retirement while continuing to work and pay contributions while working. That is to say, when they reach the statutory retirement age, they are not in a hurry to go through the retirement procedures, but choose to continue to stay at the post to work, continue to pay social security according to the prescribed standards, until they meet the 15-year payment period, and then go through the retirement procedures, so that they can smoothly receive the due pension.
One-time supplementary payment of social security
In addition to the above two solutions, there are also some old employees who, due to various reasons, may not be able to meet the social security payment period by delaying retirement, at this time, they can also choose to make a one-time supplementary social security payment. It should be reminded that the old workers who can meet the conditions for one-time supplementary payment need to meet certain conditions and standards at the same time, and these conditions will be relatively harsh, and not everyone can choose this way to solve the pension problem.
Convert employee social security to resident social security
There are also some old employees, there may be some special circumstances, resulting in the above ways to solve the problem of less than 15 years of social security contributions, at this time, they can also choose to convert the employee social security to resident social security. Although this means that it is no longer possible to receive a pension from the original unit, it can at least guarantee the basic pension and medical treatment, and it is also a good choice for some old workers with special difficulties.
Be cautious about the option to terminate your Social Security relationship
In view of the current pension insurance system, it is also necessary to remind the majority of old workers that no matter what difficulties and choices they face, they need to be cautious about the issue of terminating the social security relationship. Because once the social security relationship is terminated, it means that you can no longer enjoy the pension treatment from the unit, and you can no longer enjoy the corresponding medical insurance treatment from the original unit, which will undoubtedly bring great impact and challenges to the life of the elderly.
The authorities could consider developing more flexible social security policies
On the whole, the current problem of less than 15 years of social security contributions has indeed brought a certain amount of trouble and pressure to some old workers, and also made their pension problems more thorny. In the future, it is hoped that the relevant departments can pay more attention to this issue and provide more help and support for the old workers. For example, in terms of social security policies, we can consider formulating more flexible regulations to allow old employees to choose a more suitable social security payment method according to their actual situation, and can also appropriately extend the social security payment period to provide more protection for their pension insurance benefits.
Strengthen the publicity and guidance of the social security supplementary payment policy
In the specific operation process, it is also necessary to strengthen the publicity and guidance of the social security supplementary payment policy, so that the old workers can have a clearer understanding of their rights and choices, and can also handle the relevant procedures more conveniently. In addition, we can also explore more ways to make up social security payments, such as allowing old employees to make installment payments, or appropriately reducing the conditions for one-time payments, so as to reduce their financial pressure and better help them solve the problem of pension.
Establish a special fund to help veteran workers with special difficulties
In addition to the above measures, we can also consider providing more comprehensive protection for the pension insurance of old workers from a deeper perspective. For example, a special fund can be established to help those old workers who are unable to reach the social security payment period due to special reasons, and provide basic security for their lives through subsidies and subsidies, so that they can better unite the warm power of the society and let every old worker enjoy their old age in peace.
Promote the integration of social security and personal savings accounts
It can also be considered to promote the combination of social security and personal savings accounts, through various forms of pension insurance, to provide more choices and possibilities for the pension of old workers, and to better enhance their awareness and initiative of pension insurance. I believe that with the joint efforts of all parties, we will be able to find more ways to solve the problem, so that the pension insurance system of the eastern country will be more sound and perfect, and every old worker can enjoy a happy life in his old age.
epilogue
To sum up, the current problem of less than 15 years of social security contributions has indeed brought certain troubles and challenges to some old workers, and also made their pension problems more prominent. I believe that with the progress and development of society, we will be able to find more solutions, and we will also be able to bring more hope and warmth to the pension problems of old workers. I also hope that the majority of old workers can have enough confidence to bravely face all kinds of difficulties and challenges in life, and believe that the warm power of society will accompany them through every stage of life together.