What should I do if I have not paid for medical insurance for 25 years and have reached retirement a

What should I do if I have not paid for medical insurance for 25 years and have reached retirement age? If you want to enjoy medical insurance reimbursement for life, you must pay medical insurance for a sufficient number of years. The age regulations vary from place to place, and most of them are around 20-25 years.

Due to the long payment period, it is easy to reach the retirement age, and the payment period of medical insurance has not reached the standard, so if such a situation occurs, how should it be handled?

Due to the different medical insurance payment years in various places, if you want to understand the requirements of the medical insurance payment period in your region, it is recommended to consult the local social security center or call social security **12333.

What should I do if I haven't paid enough medical insurance for 25 years when I retire 1. Make a one-time supplementary payment of medical insurance.

If the financial conditions allow and the insured person needs to enjoy the medical insurance treatment for life, then the insured can make up the medical insurance expenses in a lump sum before retirement. Choosing a one-time payment after retirement is indeed a more trouble-free method, but this method is still very demanding on your own economy, but I think that after working for so long, 20,000 or 30,000 yuan should still be able to take out, if you really can't take it out, you can use the following methods.

2. Extend the payment time.

If the economic conditions do not allow, you can go through the retirement procedures, retire on time, continue to pay the medical insurance premiums on a monthly basis, and after reaching the standard of payment years, you can stop paying and enjoy the medical insurance treatment for life.

3. Participate in medical insurance for urban and rural residents.

You can also directly participate in the medical insurance for urban and rural residents, and pay a one-year premium for one year.

Due to the different health insurance policies in different regions, the solutions will be different. In addition,When we retire, if we find that our medical insurance has not been paid for 25 years, then we can first choose to make up for it at one time or pay it annually until it is completed, if we feel that these two ways are too expensive, we can pay for urban and rural residents' medical insuranceThis ** is relatively cheap, no matter which one you choose, you can, but don't refuse to pay medical insurance, even if you are in good health, you have to pay.

If you have already retired in the unit, you can only choose to make a one-time payment for the remaining years. If there is still a long time before 25 years, it is recommended to transfer it to the urban residents' medical insurance.

After retirement, you can continue to pay for medical insurance, or make up these expenses at one time, so that you can always enjoy medical insurance.

Continue to make up the payment, otherwise what else can you do, just go to the Civil Affairs Bureau and explain the situation to the staff.

You can continue to pay for medical insurance, you can pay it yourself, and you can retire after 25 years.

When you reach retirement age, if you have not paid social security for 25 years, there are three ways to solve it!

1. One-time supplementary payment of medical insurance.

Medical insurance can be paid at one time, but the one-time payment has a certain test of the economic ability of retirees, and the medical insurance for employees is also two or three thousand a year, and if the payment is made for 10 years, it will take twenty or thirty thousand yuan, and the economic ability is still very stressful.

2. Participate in medical insurance for urban and rural residents.

Medical insurance for urban and rural residents is paid on an annual basis. At present, the minimum payment standard in the country is 220 yuan, and the more economically developed areas may pay more, some areas are 360 yuan, and there are 480 yuan. From the perspective of economic pressure, medical insurance for urban and rural residents is stress-free, so many retirees will choose to participate in urban and rural residents' insurance.

3. Extend the payment time.

If you feel that the financial pressure is high, you can apply for an extension of the payment time, and the pressure will be less, but you can't pay for the monthly meal with the medical insurance card. After 25 years of medical insurance, you can apply for medical insurance retirement and return money to your medical insurance card on a monthly basis.

Legal basis: Article 34 of the "Basic Medical Insurance Regulations" who are at least 50 years old when participating in basic medical insurance, and who have worked for less than 5 years in accordance with the provisions of the state, can enjoy the treatment of co-ordination and payment of medical expenses after participating in basic medical insurance for 1 year.

Article 35 of the Basic Medical Insurance Regulations stipulates that the payment period includes the actual payment period and the deemed payment period.

The term "deemed payment period" as used in the preceding paragraph refers to the continuous length of service or the number of years of service that meet the requirements of the state before the implementation of these Regulations.

Article 36 of the Basic Medical Insurance Regulations after the implementation of the revision of the Regulations, the number of years of payment of basic medical insurance premiums, 30 years for men and 25 years for women, the basic medical insurance treatment standards after retirement shall be implemented in accordance with the provisions of these Regulations.

When an employee retires, the number of years of payment of basic medical insurance premiums does not reach the provisions of the preceding paragraph, and the basic medical insurance benefits enjoyed after retirement shall be reduced by 5% for every 1 year of the payment period.

Article 37 of the Regulations on Basic Medical Insurance Retirees who have actually paid basic medical insurance premiums for 10 years before retirement, the original unit does not pay basic medical insurance premiums after retirement, which does not affect their enjoyment of the basic medical insurance benefits for retirees stipulated in these Regulations.

Retirees who have actually paid basic medical insurance premiums for less than 10 years before retirement, and whose original units do not pay basic medical insurance premiums after retirement, shall not enjoy the basic medical insurance benefits for retirees as stipulated in these Regulations.

1. There are certain differences between the one-time supplementary payment and the province. Taking Fuzhou, the provincial capital, as an example, the city's supplementary payment standard is: based on the average monthly salary of on-the-job employees in urban units in the previous year when applying for the procedures for transferring from in-service to retirement in the medical insurance relationship, a 10% payment ratio will be made up for it.

In Xiamen, the payment base has become 60% of the city's average salary in the previous year. Of course, a one-time payment to the specified payment period is also based on the payment ratio of 10%. 2. Extended payment This method is not universal in all cities.

Therefore, for some residents, others have two ways to make up the payment, but he only has the first one - a one-time supplementary payment.

Therefore, you can also choose a one-time supplementary payment or an extended payment, the key is to look at your local policy.

Be careful, you must handle it as soon as possible, otherwise there will be a lot of delays, and it will be very troublesome at that time.

For those who have paid for medical insurance for 25 years and have not yet reached retirement age, the following conditions apply:

1. If it is an on-the-job employee, it cannot stop paying, and if it is a flexible employee, it cannot enjoy medical insurance reimbursement after the payment is stopped, but it will not affect the medical security after retirement;

2. If the medical reimbursement after the suspension of the insurance is not considered, the insurance can be suspended;

3. However, after the medical insurance is suspended, starting from the next month after the insurance is suspended, once you are sick and hospitalized, you will not be able to enjoy the medical reimbursement treatment, and it is better to continue to pay.

The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

Individually-owned businesses without employees who voluntarily participate in social insurance, part-time employees who do not participate in social insurance at the employer, and other flexibly employed persons shall apply to the social insurance agency for social insurance registration.

The State shall establish a nationwide unified personal social security number. An individual's social security number is a citizenship number.

Legal basis] Social Insurance Law of the People's Republic of China

Article 16 Individuals participating in the basic endowment insurance who have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations. Article 17 If an individual participating in the basic endowment insurance dies due to illness or non-work-related reasons, his surviving family members may receive funeral subsidies and pensions; Those who completely lose their ability to work due to illness or non-work-related disability when they have not reached the statutory retirement age may receive sickness and disability allowance. The required funds are paid out of the basic pension insurance**.

The medical insurance has not been paid for 25 years, but when you reach the retirement age, if you are an urban and rural resident medical insurance, you must always pay it, and if it is an urban employee insurance, you can make up for it at one time, provided that the relevant local departments allow it. The elderly in the family must pay their own taxes and medical insurance after retirement, should they continue to pay after retirement? It depends on the situation that you want to continue paying Medicare after retirement.

If you pay for urban and rural residents' medical insurance, the insured must make continuous payments every year in order to enjoy the corresponding reimbursement treatment. There is no retirement statement for urban and rural residents' medical insurance, there is no minimum payment period, and even if the insured reaches the statutory retirement age, he or she should continue to pay for medical insurance in order to enjoy medical insurance reimbursement treatment.

If you pay for urban workers' insurance, it's completely different. In addition to pensions, there is another issue that is easy to overlook in employees' social insurance, and that is medical insurance. When an employee reaches the legal age of medical insurance payment and retires, he or she can enjoy lifelong medical insurance compensation.

If Medicare does not pay for the specified number of years, it may be necessary to continue paying. You will only be covered by health insurance if you reach the required number of years. The cumulative number of years of medical insurance payment is related to local policies, with an average of 25 years for men and 20 years for women.

Medical insurance payment does not meet the requirements, and some cities have a policy of supplemental medical premiums. In 1998, a basic medical insurance system for urban workers was established, and it is normal for many people to reach retirement age and to have insufficient payment deadlines for medical insurance. In response to this problem, many cities have also issued corresponding supplementary policies, allowing employees to make up the medical premiums at one time, or make up the medical insurance that does not meet the regulations at one time.

If your employee has insufficient years of medical insurance, it is best to consult the local social security department in advance to understand the local policy and whether it can be supplemented. The supplement is based on the average social wage of the previous year before retirement, and the payment is carried out according to a certain amount. For example, if the social security payment base is 6,000 yuan and the supplementary payment ratio is 4%, then you need to pay 240 yuan per month for medical insurance, and about 3,000 yuan a year.

The longer the annual difference, the higher the contribution ratio and the higher the amount of supplementary payment.

You can go to the local social security agency for consultation, and then all the expenses that have not been paid will be made up, and then the normal use of the pension will not be affected.

You should continue to pay medical insurance for a period of time after retirement until you have paid for a sufficient number of years, so that you can enjoy normal medical insurance benefits.

At this time, it is possible to continue to pay, so that the problem can be solved, and if it is an urban employee, it can generally be made up at one time.

Legal Analysis: Payment can be stopped.

Legal basis: Article 12 of the Social Insurance Law of the People's Republic of China: The employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic pension insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

What if I reach retirement age and have not paid for medical insurance for 25 years? The issue of medical insurance and social security, in fact, many people have not figured it out, so they have always thought that they are linked to each other, and the following is a comprehensive analysis for you, so that you can understand the situation of medical insurance from several aspects, and friends can make a reference:

1. Medical insurance is not generally the same as social security, so it will not be affected

The situation of medical insurance and endowment insurance is generally the same, according to the country's medical insurance regulations, it is generally fifteen years, as long as you pay fifteen years of medical insurance, then you can enjoy the treatment of medical insurance after retirement. At the same time, medical insurance is mainly to protect the medical treatment funds of retirees, and there is no direct connection with the general endowment insurance, which belongs to the pension after retirement, within the scope of endowment. Medical insurance belongs to medical security after retirement, so it belongs to two series with pension insurance.

Many people do not know much about this, often think that pension insurance and medical insurance are bound together, this is a wrong concept, medical insurance is independent of pension insurance, pension insurance will not be linked to medical insurance, both have their own functions, so there is no need to worry about pension insurance can not be received.

Second, some areas have different years, but you can continue to pay medical insurance after retirement

In some areas, the length of pension insurance and medical insurance is different, for example, some regions stipulate that it is 25 years, some regions are 20 years, and some places reach 30 years. However, no matter how long the prescribed number of years of medical insurance is required, it will not affect the receipt of retirement pension, and you can continue to pay medical insurance until the number of years is reached.

3. If you do not pay medical insurance, you can also go through the retirement procedures

Of course, some people choose not to pay medical insurance for many reasons, in this case, it will not affect your retirement procedures, so you don't have to worry about medical insurance.