Dad is already 45 years old, is it too late to buy him a pension?

When your parents are older, it is still very necessary to leave him a social guarantee, but you can choose a basic pension in this social security way, some are from the social security, some are from the form of insurance, and you have paid the corresponding insuranceYou'll be able to enjoy the corresponding services, and there are some types of insurance that can be achieved in the short term. <>

It is obviously unrealistic to pay social insurance normally when you are 45 years old, that is to say, it is obviously unrealistic to pay five insurances and one housing fund, and the cost is too high, so it is more reliable to pay the pension insurance launched by the corresponding insurance company. It's just that you have to consider the choice of this insurance company, this insurance company should have existed for a long time, and you must know what kind of nature its shareholder holding is and what is its reputation? What is the value for money for what he has launched?

I have spent 30,000 yuan now, or can I have the corresponding capital ** after 80,000 yuan?Whether parents can get the corresponding benefits are all issues to consider. <>

As long as the body is healthy, there is no too serious disease to insure, the normal endowment insurance is no problem, only 45 years old, pay for three or even 5 years, and then reach a certain age to receive a certain pension is completely possible, but this choice of insurance company and insurance is a very painful and troublesome process, because the market is mixed, what kind of quality there are,It is still recommended to ask for the help of a certain professional, and it may be better to do this specifically, at least he knows what the situation in this industry is like, so as to avoid being deceived because of poor information. <>

Now the types of insurance are constantly enriched, there are specifically for the elderly, and there are also specifically for children, for example, children will launch corresponding social insurance for you at a very young age, as long as you pay for a certain number of years, buy a house and a car on your birthday, get married, and even have an amount of feedback after retirementThis means that the money you have now will be returned to you in the form of several times in the future, but it will take a very long time to invest.

In fact, it is not too late to buy a pension at the age of 45, his pension is based on the money he pays every month, and then he starts to receive a pension after reaching the age of 60.

It's ok. At present, your father is only 45 years old, if he has paid for 15 consecutive years, according to the relevant provisions of social security, retirees who have paid 15 years of pension insurance are entitled to pension according to law, and if it is a rural household registration, now there is a one-time subsidy for landless farmers in rural areas, and the length of service in the production team can be counted in the pension insurance, but the specific process is still to consult the local social security department.

It's too late to buy a pension for a 45-year-old father, and the pension is very necessary. It is a guarantee for my father's future life and a reduction of my burden. Therefore, you should buy a pension for your father, and if you can afford it, you can also help your father buy some sickness insurance.

It is possible to buy. First, if you find a job and have a unit, and you pay pension insurance through the withholding and payment of the unit, then the retirement age is 50 years old for female workers and 55 years old for female cadres.

Then some people asked, at the age of 45, I started to buy pension insurance, and I only paid for 5 years at the age of 50, and I am still 10 years away from the minimum 15-year payment period, so what should I do? Can I make a one-time payment?

You can only extend the contribution for 10 years, that is, you can only receive a pension at the age of 60.

Second, if you do not have a work unit, but participate in employee pension insurance as an individual, then you can buy and pay employee pension insurance as a flexible employee.

We all know that the legal retirement age for men is 60 years old, so start to create your own social security account at the age of 45, and you can retire normally after 15 years, and receive a basic pension every month at the normal retirement age. Of course, as a woman, because the legal retirement age for women is 50 and 55 years old, if you start to create a social security account at the age of 45, then you can't retire at the normal statutory retirement age, but if a woman says that you are not an employee savings, if you have invested in the cumulative insurance of urban and rural residents, his retirement age is also 60 years old, so it is best to participate in employee savings insurance, because employee principal insurance can allow you to earn a higher level of future pension.

So I think it's absolutely no problem to open a basic pension insurance account at the age of 45, and it's completely suitable for retirement, because you can recover normally at the age of 60, and you will receive a basic pension every month after retirement. Retire for 5-10 years, but since you are old and want to buy basic pension insurance, that's it, then you can apply for retirement and receive pension benefits under the normal statutory retirement age.

However, the legal retirement age for women is usually quite flexible. Some people can retire at the age of 50. Women who work flexibly must usually retire at the age of 55.

Generally speaking, you can retire at the normal statutory retirement age if you open a basic pension insurance account normally before the age of 40. However, you can get a basic pension after 5 years, and if you do not open a basic pension insurance account, you will not be able to enjoy the basic pension in this life. Therefore, it is still necessary to establish a basic pension insurance account.

There will be 5 consecutive years of retirement, and in effect the pension is available for life.

So, ultimately, we believe that both men and women must set up their own retirement insurance accounts at age 45. Women, in particular, may delay retirement for a few years, but they also need to set up a basic pension insurance account. Not to mention husbands, as men can retire at the normal statutory retirement age, which does not affect their monthly basic pension age.

It is cost-effective to start paying social security at the age of 45, as long as you pay for 25 years, you can receive a pension.

If you start paying social security at the age of 45, it is also more cost-effective, and you can also receive a pension, but you must pay enough for 15 years before you can receive a pension.

It is particularly cost-effective, you can receive the relevant pension, as long as it is 15 years old, it is OK, and you will be 60 years old at that time. This is a very good practice.

Article 16 of the Social Insurance Law of the People's Republic of China stipulates that 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.

When the insured person reaches the national statutory retirement age, the payment period is 10 years but less than 15 years, and the payment can be extended upon written application (the employee has the consent of the unit), and the extended payment period shall not exceed 5 years, and the extension period shall be paid annually. After 15 years of contributions, you can enjoy the basic pension in accordance with the regulations.

Can people over the age of 45 still buy Social Security? Yes, of course, you can buy social security, as long as you can do it before you retire. Social security can be accumulated to calculate the payment period, that is, intermittent payment is allowed.

The minimum payment period of endowment insurance is 180 months, that is, 15 years. When you reach retirement age, you can apply for pension benefits. There are two ways to do this:

The payment in the name of the individual needs to apply to the social security bureau where the household registration is located, and the procedures include: my ID card, two recent two-inch bareheaded **, premiums, application forms, etc. In addition, there are only two kinds of pension and medical insurance in the name of the individual.

2) or purchase social security in the identity paid by the work unit. How much money you pay is related to the local average salary. For example, if the average salary of a place is 20,000 yuan, then the pension insurance payment is 20,000 * 20% = about 4,000, and the medical insurance is 20,000 yuan * 10% = 2,000 yuan, a total of 6,000 yuan.

If you pay in your personal name, you need to pay the funds, which increases the personal pressure, and it is better to have a unit come forward to pay.

Yes, there are two ways to do it. First, you can pay for the rural pension.

Or urban residents pension, from now to 60 years old, if you have not paid 15 years, when you reach the retirement age, many places can make up for it at one time. Second, pay employees for the elderly in the status of flexible employment. Although the contribution is a little higher, the pension received after retirement is according to the treatment of employees.

Pension has always been a hot topic in society, because the country is now in an aging stage, and aging is accelerating. Many people will also consider their own pension problems, should I buy a pension? Is it too late for me to buy a pension now?

In my personal eyes, I think it is necessary to buy a pension for three reasons.

If you are 45 years old and you are a man, then after 15 years, you will be exactly 60 years old, and you will be at retirement age. Because the country has postponed the retirement age due to the aging population. And during this period, you have an economic income, and you only need to use a part of the funds to buy a pension.

And it doesn't affect your standard of living, it's like a savings fund. After all, we don't save money, then spend it.

Two: buy a pension for 5 years and 10 years later

Buying a pension is actually a very cost-effective deal, although you have to pay enough for 15 years of pension, but most of them are 5 years and 10 years to recover the pension principal. And you will definitely not live to the age of 70, because our standard of living is slowly getting better, and people's life expectancy is also increasing. Take the national standard as an example, the average life expectancy is 78 years, and you also live to 78 years.

Then you can enjoy an additional 8 years of benefits. So it's a great deal.

Three: the purchase of pensions can improve the standard of living of the elderly

After you retire, you still have your own income**. It doesn't matter if it's a few hundred or a few thousand, you can use the money to live the life you want. Go out for a drink and travel with your wife, go out and buy what you like, instead of blindly relying on the money your children call you.

In addition, it can reduce the burden of supporting children and the elderly, and improve their own living standards.

All in all, it is worth buying a pension, it is a special guarantee to protect your standard of living in old age and reduce the burden on your children.

If it comes in time, the pension can be paid at one time, so that you don't have to wait so long to enjoy your future life! It depends on whether your place allows it or not!

No problem. If it is handled in time from now on, it can basically ensure that the minimum 15 years of age at the age of 60 can be completed, and the retirement can be handled on time.

It's completely okay, but the amount of vacancies you need to fill is relatively large, which may affect your life, if you have the idea of buying a pension, it is recommended to buy it in advance.

Some can, such as those with a rural household registration, pay tens of thousands of yuan at once, and then pay three years of money every year according to the minimum living security line, but in urban areas, it must be paid in 15 years.

At the age of 45, it is actually too late to buy a pension. You only need to buy it all within retirement age.

。Hello! Under normal circumstances, if people want to live a happy and worry-free old age, they need an effective combination of social security, personal savings and pension insurance in a certain proportion, and the role of pension insurance in this cannot be ignored.

It should be noted that due to the high cost performance of commercial endowment insurance, the cost of insurance also increases with age. Therefore, in general, it is very uneconomical for you to plan to buy a commercial endowment insurance product for your 54-year-old father. In this regard, we would like to remind you that if you want to add appropriate insurance protection to your parents, it is recommended that you can purchase a suitable health and medical insurance product according to the actual protection of your parents to protect their quality of life in their later years.

How to buy a suitable health insurance product for a 54-year-old father?

1. Understand the types of diseases that can be compensated. The Aged Care series does not cover all diseases, and only those who suffer from a critical illness specified in the contract can receive the compensation agreed in the contract.

2. Consumers should choose according to their age, gender and needs.

3. When applying for health medical insurance, you should pay attention to truthfully informing the insurance company of your medical history.

Health medical insurance is insurance that takes a person's health status as the subject of insurance. To buy the right health insurance for your 54-year-old father, it is recommended that you refer to: "Elderly Care" health care series products, which comprehensively cover accidents, health and other protection, should be very suitable for your father's protection needs, welcome to choose.

Hello! As a supplement to social endowment insurance, commercial endowment insurance has attracted more and more attention. Can I still buy pension insurance for my 59-year-old father? Yes, it is recommended to buy social endowment insurance first, followed by commercial endowment insurance.

How to buy commercial endowment insurance for a 59-year-old father?

1. For the most important insurance liability, that is, pension payment, the payment period should be extended as much as possible.

2. The distribution of cash flow should be reasonable. The benefits of pension insurance mainly lie in the compounding effect brought by its long-term investment. If you receive a large amount of insurance money too early, it will lead to insufficient account accumulation when it is really needed for retirement.

3. Flexible payment. Before applying for insurance, you should choose the appropriate payment period based on your income level and financial planning.

4. Premium waiver. The premium waiver feature is very important.

5. Guarantee the purchasing power of funds. When choosing a product endowment insurance, you should choose a product with dividends, which can ensure a long-term and stable payment, and through dividends, you can ensure that the pension saved when you are young still has the purchasing power of the year.

Buy commercial endowment insurance for your 59-year-old father? A good commercial endowment insurance is inseparable from the support of professional insurance professionals, it is recommended to consult a professional insurance platform and choose the right commercial endowment insurance products, which will be your best choice.