Can I continue to pay after 15 years?

You have paid enough social security premiums for 15 years, if you want to continue to pay, you can't lower the grade, you can only pay according to the original fee or increase the grade, so you want to reduce the payment grade is not allowed, the social security payment grade is only increased without reduction, for example, you paid 1000 yuan this year, next year you can only pay 1000 or increase the payment grade, this can not be reduced. Lowering the payment level will also affect your pension in the future, so you can choose to continue to pay according to the original or you can choose not to pay, anyway, you have paid enough, but then you pay for an extra year, and then you will get a corresponding pension.

If the pension insurance for urban and rural residents has been paid enough, if it is not yet the retirement age after 15 years, it can of course continue to pay at the age of 60. The more you pay, the more you will receive the pension, and the longer you pay, the more you will receive the pension.

Therefore, after 15 years, you can continue to pay if you lower the grade or not.

This is okay, as long as you have paid enough for 15 years, you can use which grade you need, and continue to pay.

Yes, but it has an impact on retirement salary, after all, the more you pay, the more you get in retirement.

The premium payment is paid proportionally according to the level of one's salary, and it is not arbitrarily reduced or increased.

Not having reached retirement age, yes.

If you pay at the counter, you can choose to pay at a low rate, and you still have to pay social security according to the average salary of the previous year.

After 15 years of urban insurance payment, if it is not possible to reduce the low grade and continue to pay, you can go to the local social security bureau for inquiry.

Summary. Below, let's make assumptions first, and then compare and analyze. Through the comparative analysis process, it is up to us to judge whether it is cost-effective.

1. Condition setting.

In order to facilitate the calculation, we will first make a few assumptions, and the subsequent calculation process should meet the following assumptions at the same time.

Hypothesis 1: The average social wage is the same for all years, and it is always 6,000 yuan.

Hypothesis 2: Insured Person A (hereinafter referred to as A) has been paying according to the lowest payment level; Insured person B (hereinafter referred to as B) shall pay according to the lowest payment grade in the first 10 years, and the highest payment grade in the next 5 years.

Assumption 3: The local contribution ratio remains the same, with 24% of the contribution being credited to the personal account.

Hypothesis 4: Both A and B retire at the age of 60 and their pensions remain unchanged after retirement.

Urban and rural residents have paid the lowest level of pension insurance for 10 years, and there is no need to upgrade to the highest level of payment in the next 5 years?

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Hello in real life, there are a lot of freelancers to pay endowment insurance when choosing the lowest grade, that is, according to the local staff on the job in the previous year 60% of the average social wage of the grade of payment, after a few years, I feel that the payment grade is too low to clear, want to adjust higher, if the adjustment of the resistance to the highest grade, before the mu according to the local staff on the job of 300% of the average social wage of the social wage of the grade payment, then there is a question: if we buy pension insurance as an investment, Is it cost-effective to change the payment level in the middle of the process? Of course, there is no one standard answer to this question, and everyone has a different opinion.

Below, let's make assumptions first, and then compare and analyze. Through the comparative analysis process, it is up to us to judge whether it is cost-effective. 1. In order to facilitate the calculation, we should first make a few assumptions, and the subsequent calculation process should meet the following assumptions at the same time.

Hypothesis 1: The average social wage in all years is the same, and it has always been 6,000 yuan. Hypothesis 2:

Insured person A (hereinafter referred to as A) has been paying according to the lowest payment level; Insured person B (hereinafter referred to as B) shall pay hail fee according to the lowest payment grade in the first 10 years, and pay the highest payment grade in the next 5 years. Assumption 3: The local contribution ratio remains the same, with 24% of the contribution being credited to the personal account.

Hypothesis 4: Both A and B retire at the age of 60, and the pension will remain unchanged after retirement.

Through comparative analysis, we found that under the above assumptions. Within 16 years after retirement (about 76 years old), A is cheaper than B, but the absolute value of A's monthly pension is relatively low, and it may not play a big role in providing for the elderly; After 16 years, B is cheaper than A, but the high amount of gold invested by B in the first 5 years of retirement is relatively large, and the pressure on the economy is relatively large.