What is the difference between social insurance retirement at the age of 55 and retirement at the ag

Although 55 retirement is 5 years less than 60, but 5 more years of pension, which is 60 retirement can not be compared, and according to the current annual adjustment of pension, 55 retirement can also be adjusted for 4 years. Therefore, early retirement is more cost-effective than 60 retirement, which is why social security strictly controls early retirement.

55 is 5 years less than 60 and 5 years less than the total amount of personal accounts. The average social wage is certainly much lower than that of five years later, and the adjustment of the pension is also adjusted according to the number of years of contributions. 5 yuan a year is 25 yuan a month less.

Housing Provident Fund": The proportion borne by specific units and individuals is different, which is calculated according to a certain proportion based on the average salary of the individual in the previous year. The housing provident fund shall not be less than 10% of the salary, and the units with good benefits can be higher, and the employees and units shall bear 50% each.

"Five insurances": according to the wages of employees, the proportion of units and individuals is generally as follows: 20% of the pension insurance unit and 8% of the individual; Medical insurance unit bears, individual 2%; 2% for unemployment insurance units and 1% for individuals; 1% of the maternity insurance is fully borne by the unit; Work-related injury insurance is also fully borne by the unit, and individual employees do not bear maternity and work-related injury insurance.

The difference is that there is a unit in the unit to help you pay most of the insurance costs, and you can pay all by yourself, which do you think is cost-effective?

Yes, but you have to make a one-time payment until you retire at the age of 60 for 15 years, and you will have a pension after retirement, otherwise you will not have it. Pension conditions: Individuals who participate in the basic pension insurance can receive the basic pension on a monthly basis if they have paid for 15 years when they reach the statutory retirement age.

Legal basis: Article 16 of the Social Insurance Law of the People's Republic of China provides that individuals who participate in the basic endowment insurance and 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.

The normal age is 60 years old.

According to the "Interim Measures on the Retirement and Retirement of Workers" and the "Interim Measures on the Placement of Old, Weak, Sick and Disabled Cadres" (Guo Fa [1978] No. 104) issued in June 1978, the following circumstances can be handled:

1) Male cadres and workers must be at least 60 years old, female cadres at least 55 years old, female workers at least 50 years old, and have 10 years of continuous service or working experience.

2) Employees engaged in underground, high-altitude, high-temperature, heavy physical labor and other types of work harmful to health, male at least 55 years old, female at least 45 years old, continuous service or working years at least 10 years.

3) Employees who are at least 50 years old for men and 45 years old for women, with 10 years of continuous service or working experience, have been certified by the hospital and confirmed by the labor appraisal committee as completely incapacitated.

4) Disabled due to work, and completely incapacitated by the hospital (the worker and confirmed by the labor appraisal committee). According to the Regulations on Work-related Injury Insurance (effective as of January 1, 2004), if an employee is identified as a first-grade to fourth-grade disability due to work-related disability, he or she shall retain the labor relationship, quit the job, and enjoy the disability allowance on a monthly basis;

After the injured employee reaches the retirement age and goes through the retirement procedures, the disability allowance will be suspended and the basic pension insurance benefits will be enjoyed. If the basic pension insurance treatment is lower than the disability allowance, the difference shall be made up by the work-related injury insurance**.

At present, he is still retiring at the age of 60, and the retirement age is gradually being extended to the age of 65, and the date of retirement at the age of 65 has not yet been determined.

Can the excess of the social security purchased by men over the age of 60 be added to the retirement of 65? Thank you.

The current policy stipulates that male employees retire at the age of 60 and female employees retire at the age of 50.

The social security man is now 60 years old.

The retirement age is 60 years for men, 60 for men and 50 for women, and 10 years of continuous service.

According to Article 1 of the Interim Measures for the Retirement and Retirement of Workers, workers in enterprises, public institutions, state organs and people's 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.

As long as you have paid social security, you will have paid for 15 years. Then when the man reaches the age of 60, he can start to enjoy the retirement benefits, and it is best to retire two months in advance, so that he can enjoy the retirement benefits when the time comes.

Regarding the delayed retirement, the state has only introduced this policy, and it has not yet begun to be implemented, and the next step will definitely be to implement it slowly and steadily.

Men are 60 years old, women are 50 years old, and female cadres and flexible workers retire at 55 years. However, pension insurance must be paid for 15 years before retirement in order to receive a pension. Delayed retirement was not introduced.

Now the social security man retires at the age of 60. The state is preparing to implement a delayed retirement age. If delayed, the retirement age for men should reach 65 in the future.

If you have paid social security for more than 15 years, you can apply for retirement at the age of 60.

Women participate in social security themselves, at what age can they receive a pension.

50, 55 or 60?

Women pay social security by themselves, how old can they receive a pension?

Women pay their own social security, at what age can they receive a pension, related to the type of social security we choose, China's social security is divided into urban employee social security and urban and rural social security.

There are two main categories, different types of social security retirement age.

Regulations vary.

If women are employed flexibly.

Status: Participate in the pension insurance for urban employees.

Generally, the retirement age for flexible employment women is 55 years old, but in some areas, flexible employment women go through the retirement procedures according to the age of 50. Specific needs are subject to local plans.

For example, in some regional regulations, if a flexible employment woman has worked in a single position and is a female worker in the unit, and then continues to pay social security as a flexible employment status due to layoffs and other reasons, and the previous social security payment period in the unit has reached 10 years (or 15 years in some areas) and above. In this case, even if you later have a flexible employment status, you can still go through the retirement procedures according to the age of the female worker.

If a woman participates in the old-age insurance for urban and rural residents, then whether it is a man or a woman, the pension age for residents is 60 years old, and the pension insurance payment for residents has been paid for 15 years, and when the age reaches 60 years old, they can go through the formalities and receive the pension treatment on a monthly basis.

From the above content, it can be seen that it is necessary to know how old a woman participates in social security to apply for retirement, which is not only related to the type of social security that women participate in, but also related to the program of the place where they participate.