Enterprise employees’ basic pension insurance cannot be paid in one lump sum. It is mainly aimed at groups such as flexible employment personnel who pay enterprise employees’ basic pension insurance as individuals. The main purpose is to prevent the increase in the payment period through one lump sum payment, achieve early retirement and increase the expenditure burden of the pension insurance fund. It is recommended that those who are willing to participate in the basic pension insurance for employees of are encouraged to participate in insurance on time and pay annually, to promote the continuous and stable growth of the fund of of pension insurance and enhance the ability to continuously pay.
Although flexible employment personnel cannot retire through one-time supplementary payment, pension insurance can still be paid in these situations. For example, if an employee who works in an enterprise fails to pay pension insurance for the employees on time and in full due to enterprise reasons, as long as the employee himself makes a request and the employer agrees to make a supplementary payment, the social security department allows the supplementary payment; because of the employer, the employee instructs the employer to pay social insurance for the employees through labor arbitration , court judgment, tax audit , labor law enforcement audit, etc., which is also allowed to make a supplementary payment.
In short, except for those who are on-the-job employees who should pay pension insurance for employees due to the reasons of employers, those who do not pay for their employees can pay for their pension insurance. However, flexible employment personnel and individual industrial and commercial households, who have stopped paying or stopped paying due to their own reasons, or because of their age of insurance, have not yet paid for their statutory retirement age for 15 years, cannot apply for retirement through one-time payment when they reach the statutory retirement age.
If there is a situation where a one-time payment of 15-year pension insurance is allowed, it is basically a special local policy. Of course, the probability of such a policy being introduced is very low. If it is published through official channels, it is best for everyone to seize this opportunity to pay the money. If it is not a message released by the social security department, then this kind of news is inaccurate and is likely to be a scam. If
is allowed to pay for 15 years in one lump sum, how much does it cost? For one-time supplementary pension insurance for 15 years, it is generally what we usually call the forward payment. The calculation of the supplementary payment amount is mainly determined based on the supplementary payment base. For flexible employment personnel, the reimbursement ratio is basically based on 20% of the payment base. There are two ways to calculate the reimbursement base.
First, the annual payment base for the 15 years before the repayment is used as the basis for the repayment, and the payment is made at a rate of 20%, but some places also charge capital interest and late payment fees; second, the payment is made at a rate of 60% of the average monthly salary of employees in the year before the repayment is used as the basis for the repayment, and the payment is made at a rate of 20%. According to the current lower limit of payment in most places, the compensation base is about 4,000 yuan per month, and the total repayment fee is about 150,000 yuan.
If you pay about 150,000 yuan in one lump sum, the balance of funds transferred to your personal account will be about 60,000 yuan. If you pay in 2022 and apply for retirement, since it is paid in one lump sum and there is no interest on funds, the personal account pension is 60,000 yuan divided by 139. The monthly pension of the personal account is 431.65 yuan, and the basic pension part. This year, the base of pension in most places is about 7,000 yuan per month, the basic pension per month is about 840 yuan, and the total monthly pension is 1,271.65 yuan.
is calculated according to this pension standard. The annual pension is 15,259.8 yuan. In addition, the country needs to adjust the basic pension for retirees every year. It will take about 9 years to recover the 150,000 yuan he paid. If he can live to be over 70 years old, it is more cost-effective. If he lives to be less than 70 years old, although there are funeral subsidies and pensions, and the personal account has not been collected, it is just a property left to his children.
To sum up, if you allow a one-time payment of 15 years of pension insurance, you need to pay about 150,000 yuan in one lump sum. After the payment is completed, the monthly pension will be about 1,200 yuan, but the current policy does not allow a one-time payment.
