Can I still pay employee medical insurance at the age of 50?

For female workers, it was too late. For men, it's a bit late, but it's in time.

Hello everyone, I am a social security expert, is it too late to start paying social security at the age of 50? According to the current social security policy, the minimum payment for endowment insurance is 15 years, and medical insurance is generally 25 years for men and 20 years for women.

And the retirement age for female workers.

It is 50 years old, female cadres are 55 years old, and male employees are 60 years old, so for female employees, 50 years old has already retired, and it is too late to pay social security, daylily.

It's all cold. For men, 50 is a little late, but it's still too late.

Let's talk about pension insurance first, start to pay pension insurance at the age of 50, and pay for a minimum of 15 years, that is, you can't receive a pension until you are 65 years old.

Because it is generally not allowed to make a one-time payment of 15 years to the retirement age, the first thing is to extend the payment.

However, it is also possible to wait for the age of 65 to receive a pension, and now the average life expectancy.

You can get a pension at the age of 76, you can get a pension at the age of 65, and you can get a pension for 11 years when you reach your life expectancy.

Then there's health insurance.

According to the minimum 25 years of medical insurance payment for men, it is 10 years to pay social security at the age of 50 and retire at the age of 60, which is still 15 years away.

At this time, if your local government allows a one-time payment for 25 years, then you can make a one-time payment for 15 years, and after 25 years, you will not have to pay medical premiums after retirement, but you can enjoy medical insurance benefits.

The above we are talking about participating in employee pension insurance.

and medical insurance, the advantage is that the pension treatment after retirement is high, and the reimbursement ratio of medical insurance.

High, the disadvantage is that the level of payment is high, and the requirements for personal ability and conditions are relatively high.

If you can't afford it, you can apply for the 4050 social security subsidy, that is, the flexible employment of men over the age of 50 and women over the age of 40, and there is no unit to pay social security, apply for the 4050 social security subsidy to reduce their payment burden.

How much is the 4050 social security subsidy? For example, the standard in Chongqing can reach two-thirds of the payment standard, that is, you only need to bear one-third of the payment due.

Of course, you can't afford to pay social security contributions yet.

You can choose to pay a relatively low level of pension insurance and medical insurance for urban and rural residents, the advantage is that you can make a one-time payment, and you can receive a pension at the age of 60, and the disadvantage is that the treatment will be significantly lower than that of employee pension insurance and medical insurance.

At what age is it not allowed to selectively pay individual employee medical insurance. If it refers to "social labor insurance" (social security, also known as employee pension insurance), men can do it, but the female social security bureau does not accept it, because it has reached the statutory retirement age.

Male workers can buy social security, because the statutory retirement age in China is 50 years old for female employees and 60 years old for male employees. Social security includes: endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc.

According to the "Interim Measures on the Retirement and Retirement of Workers", Article 1 Workers of enterprises, public institutions, party and government organs, and mass organizations owned by the whole people shall retire if they meet one of the following conditions.

1) Men are at least 60 years old, women are at least 50 years old, and have worked continuously for 10 years.

2) Engaged in underground, high-altitude, high-temperature, particularly heavy physical labor, or other work harmful to physical health, at least 55 years of age for men and 45 years of age for women, and having worked continuously for 10 years or more.

This provision also applies to grassroots cadres whose working conditions are the same as those of workers.

3) Men who have reached the age of 50 and women who have reached the age of 45 and who have worked continuously for 10 years, and who have been certified by the hospital and confirmed by the labor appraisal committee that they are completely incapacitated.

4) Disabled due to work, certified by the hospital and confirmed by the labor appraisal committee, completely incapacitated to work.

In accordance with the Social Insurance Law, Article 2 The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance to ensure that citizens are guaranteed to live in the New Year.

I am a flexible employee, I have paid social insurance for 14 years, and I only pay employee medical insurance at the age of 50, is it cost-effective?

I don't think it's cost-effective, because if you start paying at the age of 50, if it's a man, you have to pay it for at least 30 years, and if you're a woman, you have to pay it for at least 25 years, so when you reach this age, then you're older, and it's not cost-effective.

In this case, you can call it domestic medical insurance. Resident medical insurance is paid for one year and insured for one year. The cost of a year is not much, and now it is about 300 yuan.

In the case of hospitalization, about 55% of the reimbursement can be made. This is still a good deal. Employee medical insurance is not cost-effective if it is too late to participate in social insurance.

Therefore, it is necessary to pay resident medical insurance as much as possible. Then if you have a lot of money, you can also participate in commercial medical insurance, which can make up for the shortcomings of resident medical insurance.

Nowadays, there are many commercial medical insurances, so it is a good choice to choose the insurance that suits you. For example, critical illness insurance. There are other universal insurances as well.

It is not cost-effective, because the payment period is too short, and the cost does not stop every year**. It seems that the conversion to domestic health insurance is being considered.

I think this is of course cost-effective, for example, if you pay 100 yuan, you will be returned 30 yuan at that time, but if you want to retire and don't want to pay, this is definitely not possible, and you will not be reimbursed for medical treatment at that time.

OK. Because only by paying medical insurance can you enjoy medical insurance benefits. If you don't pay for medical insurance and get sick and are hospitalized, you will have to pay for the expenses yourself.

But if you have to pay for medical insurance, you can have medical insurance to cover the cost. In this way, the financial pressure on the treatment of the disease will be reduced, and the physical disease will be better.

Legal analysis: 50-year-old people can pay the pension insurance and medical insurance in the employee social security as a flexible employee, and can get exactly the same pension and medical insurance treatment as the current employees. For example, the reimbursement ratio of employee medical insurance is relatively high, and the medical insurance payment reaches the payment period stipulated by the state, and the medical insurance can enjoy lifelong medical insurance treatment after retirement.

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

Article 57 An employer shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration on the basis of its business license, registration certificate or unit seal. The social insurance agency shall, within 15 days from the date of receipt of the application, examine and issue a social insurance registration certificate.

If there is a change in the social insurance registration items of the employer or the termination of the social insurance registration by the employer in accordance with the law, it shall, within 30 days from the date of the change or termination, go to the social insurance agency to change or cancel the social insurance registration.

The administrative departments for industry and commerce, civil affairs departments, and institutional establishment management organs shall promptly notify the social insurance handling agencies of the establishment and termination of the employing units, and the public security organs shall promptly notify the social insurance handling agencies of the birth and death of individuals, as well as the registration, relocation, and cancellation of household registration.

Article 58 An 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 analysis: Yes, you can also pay employee medical insurance at the age of 50, but there is a premise. That is, by the time of retirement, you must have completed 15 to 25 consecutive years, which varies from place to place. If you don't have enough time, you can continue to pay after retirement.

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

Article 23 Employees shall participate in the basic medical insurance for employees, and the employer and the employees shall jointly pay the basic medical insurance premiums in accordance with the provisions of the State. Businesses with no employees, part-time employees who have not participated in the basic medical insurance for employees and other flexibly employed persons can participate in the basic medical insurance for employees, and the basic medical insurance premiums shall be paid by the individual in accordance with the provisions of the state.

Article 24: The State is to establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Article 25 The State shall establish and improve the basic medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment and subsidy. Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over 60 years old and minors from low-income families, etc., will be subsidized by **.

Yes, your understanding is correct. That is, after paying the medical insurance premiums for 20 years before the age of 50, you can stop paying and enjoy the medical insurance treatment for a lifetime.

In addition, you can start to enjoy medical insurance from the time you pay the premium, not after you retire.

At present, the medical insurance treatment refers to 85% reimbursement for hospitalization (after deducting the threshold fee), and if you apply for outpatient treatment for special diseases, you can only be reimbursed for outpatient treatment and medicine.

Whether it is urban workers, urban residents or NCMS, they all pay one year's medical insurance premiums and manage one year's medical insurance. If you don't pay medical insurance premiums, you won't be eligible for reimbursement of medical insurance premiums for hospitalization. Specifically, you pay the basic medical insurance for urban employees, you have a personal account for basic medical insurance for urban employees, also known as the medical insurance card, and the money on your medical insurance card every month is partly deducted from 2% of your basic salary, and part is 30% of 6% of the total salary of your employees, which is allocated to each employee's medical insurance card according to the level of personal salary.

If you do not continue to pay medical insurance premiums, your personal account will not be credited again, and you will not be eligible for hospitalization reimbursement of medical insurance premiums. After you pay the medical insurance premiums at the age of 44, when you reach the age of 50, you don't have to pay any more fees yourself, and the state will pay you on the medical insurance card. You can also enjoy the benefits of insurance and medical insurance premiums when you are hospitalized.

But you pay attention, you have been paying for 14 years, as long as you pay for another 6 years. Therefore, you should continue to pay the medical insurance premiums for urban employees, rather than paying them after a few years in the middle. Because the proportion of hospitalization reimbursement for urban employees' medical insurance is 85%, and 85% of outpatient medical expenses can also be reimbursed if special diseases are handled.

Moreover, the country's policies are often changing, and it is best for you to pay early. If you stop for a few years, in case there is a change in the policy, for example, to increase the payment fee or extend the payment period (these two are the most likely) or to change the non-renewal change to the scope of urban residents' medical insurance (the proportion of urban residents' basic medical insurance reimbursement is only 60%).

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Hello, dear. Here's the answer to your question:

Professional analysis. Yes, at the age of 50, you can also pay employee medical insurance, but there is a premise. That is, by the time you retire, you have to have 15 to 25 consecutive years, which varies from place to place. If you don't have enough time, you can continue to pay after retirement.

Legal basis. Article 2 of the Social Insurance Law of the People's Republic of China stipulates that the State shall establish a social insurance system of basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

Legal analysis: Yes, you can also pay employee medical insurance at the age of 50, but there is a premise. That is, when you get to the retreat, you have to go for 15 to 25 years in a row, and this varies from place to place. If you don't have enough time, you can continue to pay after retirement.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 2 The State shall establish social insurance systems such as basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, etc.

At the age of 50, you can still pay social security. Because for those who participate in insurance for the first time, they cannot exceed the retirement age limit, so people who are 50 years old can also apply for social security, and the information required is as follows:

1. If the unit handles social insurance for employees, it is completely handled by the unit. Employees only need to present their ID cards and their copies;

2. After the relevant personnel of the employer, such as the human resources department, declare the insurance, and then bring the ID card to the local social security department to obtain the social security card. to purchase social security.

The social security paid in the current month can only be found at the end of the next month or the beginning of the next month, which means that the social security in May can not be found until the end of June or the beginning of July. Regardless of the income of the insured person or his employer, the same amount of insurance is charged. The advantage of this system is that it is easy to calculate and easy to implement universally; In addition, countries that use this method to collect insurance premiums generally adopt an equalization system when making payments, which means that all revenues and expenditures are equal.

The drawback, however, is that low-income earners pay the same premiums as high-income earners, which is clearly unfair in terms of affordability.

Legal basis: Article 4 of the Social Insurance Law of the People's Republic of China.

Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

Article 5. The people at or above the county level shall include social insurance in their national economic and social development plans.

The state raises social insurance funds through multiple channels. The people at or above the county level shall give necessary financial support to the social insurance undertakings.

The state supports social insurance through preferential tax policies.

Article 6. The state strictly supervises social insurance**.

and the people of provinces, autonomous regions and municipalities directly under the Central Government to establish and improve the supervision and management system of social insurance to ensure the safe and effective operation of social insurance.

The people at or above the county level should take measures to encourage and support all sectors of society to participate in the supervision of social insurance.