1, the employee should pay but fails to pay the salary;
2, to the retirement age, the payment period is insufficient to pay;
3. Find a professional human resources company.
Employers have the obligation to pay social security for workers. According to the law of our country, the unit must apply to the social insurance agency for social insurance registration for workers within 30 days from the date of employment.
If the unit fails to pay social security on time or simply fails to pay it, the employee can negotiate with the unit first. If negotiation fails, the laborer can complain to the local labor inspection department or social security department, and the social security collection agency will order the employer to pay social security within a time limit.
However, for the overdue payment in this case, the unit must pay a late fee of five ten thousandths every day from the date of default. If you are in arrears for a long time, you need to pay a high late fee. If the payment is not made within the specified time, the legal person will be on the list of dishonesty, even if he has to travel on business in the future.
According to the law, two conditions must be met to receive a pension. First, those who have reached the retirement age stipulated by law and participated in the old-age insurance for employees should be 60 years old for men, 55 years old for female cadres and 50 years old for female employees. Participate in the old-age insurance for residents, and both men and women are over 60 years old; The retirement age of special occupational groups can be advanced appropriately. Two, the pension insurance payment period expires 15 years.
If the payment period is still less than 15 years when reaching the national statutory retirement age, it can be paid in one lump sum according to the situation. Take Xiamen, where Uncle Bao lives, as an example:
1.Xiamen household registration personnel who participated in the insurance for the first time before June 30, 2000 and whose accumulated contributions reached 10 years can make up for 15 years at age.
2.20 1 1 The registered residents of our city who were first allowed to participate in the insurance before June 30, 2008 can make up the payment in one lump sum after 60 months' delay 15.
3. Xiamen household registration personnel who are approved as the original permanent employees can make up the actual payment period 10 year at one time when they reach the statutory retirement age.
4. Residents registered in Xiamen who leave Xiamen to settle in the whole country can make up the actual payment period 10 year when they are 15 years old.
5, 2011personnel who have reached the statutory retirement age before June 30th and have registered in our city before their age can make up for 15 years in one lump sum.
How to handle the payment if it meets the one-time payment?
① Identity card and household registration book of the insured; Taiwan Province compatriots provide mainland passes for Taiwan Province residents; Hong Kong and Macao compatriots provide Hong Kong and Macao residents with passes to and from the Mainland; Foreigners provide foreigners with permanent residence permits or passports.
(2) The insured individual belongs to the original fixed employee and needs to provide personal files.
Because social insurance is localized management, local policies and regulations are different. Uncle Bao suggested that when the insured reaches the legal retirement age, consult the social security center of the insured place to see if it can be paid in one lump sum. If you can pay in one lump sum, the sooner the better. Not only can you make up less money, get your pension earlier, but you can also participate in the annual pension adjustment more quickly.
If the above two situations are not satisfied, you can consider finding a professional human resources company to make up the payment, but it is not as long as you want. The policy conditions in each place are different, and some places can only make up for social security for up to five months. In addition, when looking for a human resources company to pay back the money, we should pay attention to choosing a professional human resources company and regularly check whether the paid money has arrived.
How to choose a professional human resources company?
① Possession of legal and compliant "three certificates": social security agencies must have business licenses, human resources service licenses and labor dispatch business licenses before they are qualified to act as social security agents;
There is a professional team of social security experts: social security payment is a professional and territorial service, and it can't be done by just looking for a few people. A high-quality social security institution not only has a professional and experienced team, but also can follow up the payment progress in real time, provide timely after-sales protection and solve users' problems as quickly as possible.
③ Reasonable social security payment fee: The social security payment base is stipulated by the state, but the payment service fee of each social security agency is different. As low as tens of yuan, as high as several hundred yuan. Starting from cost performance, not oriented to low price.
Nowadays, the aging of the population is becoming more and more serious, and the pressure of a new generation of young people to provide for the elderly is also increasing. It's no use "raising children for old age", and many young people are unable to support their parents.
So let's look at a very serious problem. Many people can't retire normally, especially the laid-off workers born after 1960s and 1970s. Before, many people were thinking about the state and enterprises providing for the aged. When they find that they need to pay endowment insurance, they find that they can't meet the retirement conditions at all! Many uncles and aunts have raised questions.
What if the pre-retirement pension insurance payment is insufficient 15?
Can the old-age insurance be repaid in the end?
In fact, endowment insurance is not required to be paid, but can be paid directly, that is, to extend the payment period and postpone the retirement age. After paying 15 years, you can receive a pension according to your retirement benefits.
Although there are not a few people who want to pay endowment insurance now, not everyone who wants to pay it can. Generally speaking, there are the following categories of people who can pay endowment insurance premiums:
The first is the original permanent workers and workers with labor contracts, including long-term temporary workers in the plan or temporary workers with urban household registration. People who are not insured or interrupt payment can pay endowment insurance.
The second type is that people who are not insured after being released from prison or whose payment is interrupted due to dismissal, expulsion, and failure to hold public office can pay back the old-age insurance money.
The third type is that individual industrial and commercial households and flexible employees in cities and towns can pay old-age insurance after reaching the statutory retirement age and the payment period is less than 15 years.
The three types of people mentioned above can make up the old-age insurance. Of course, the payment method of each kind of endowment insurance will be different. You can supplement the old-age insurance according to your actual situation.
What if you don't belong to these categories?
1. Continue to pay to the retirement age 15 years, that is 1-5 years.
2. If you can't get the endowment insurance for urban and rural residents, it's better not to get it.
Hello, Teacher Luo. Now many areas are not allowed to make up social security benefits themselves, so it is absolutely impossible for flexible employees to make up. As early as 20 16, Ministry of Human Resources and Social Security has issued a notice that flexible employees can not extend the actual payment by making up the payment, but can only pay it year by year according to the normal payment period. Therefore, it is relatively impossible for employees in neighboring countries to make up for it.
Generally, in this case, you can pay back the payment, that is to say, your labor contract relationship has been established and signed normally with the enterprise, but because the enterprise has not given you normal social security benefits, the payment period of your social security benefits has been interrupted, so the interruption of the payment period caused by the enterprise can be paid back by the enterprise, which is generally not allowed.
Therefore, in the process of paying social security, we should try our best to complete the normal annual insurance amount. Only when we complete the insurance and pay the premium year by year, and the accumulated payment period reaches 15 years or more, and reach the legal retirement age, can we retire normally and enjoy the pension benefits. Otherwise, you may not be able to retire normally.
Generally speaking, it is mainly a series of supplementary policies issued by the state for flexible employees or individual industrial and commercial households. The national endowment insurance system in our country started from 1992, and the longest payment can only be made up to 1992.
The charging standard for overdue payment is generally calculated according to the late payment fee, the discounted value or the payment value of the current year. In short, it is difficult to take advantage of the low base of payment before.
However, in 20 16, Ministry of Human Resources and Social Security issued the Notice on Further Strengthening the Income and Expenditure Management of the Pension Fund for Enterprise Employees, stipulating that individual industrial and commercial households and flexible employees may not increase the payment period by paying back afterwards.
Therefore, the policy of paying back fees is gradually tightening all over the country. From 20 18 1, Beijing, Tianjin, Shenzhen and other places will cancel the relevant supplementary payment policies for flexible employees.
According to the requirements of labor law, labor contract law, social insurance law and other laws and regulations, as long as enterprises have established labor relations with employees, they are obliged to pay social insurance premiums for employees.
If the enterprise does not pay, this is an illegal act of the enterprise, so the labor rights protection department has the obligation to recover social insurance for employees. Enterprises should also bear illegal responsibilities, generally pay late fees, but late fees can be reduced or exempted.
General policies will still give more care to enterprises. After all, the contribution rate of enterprises is higher than that of flexible employees. Qingdao allows enterprises to pay insurance premiums within six months without paying late fees. However, accounting vouchers, proof of labor relations and other materials are needed.
In fact, sometimes even if we make up social security, it won't help much. Qingdao maternity insurance only allows you to pay for two months within one year before giving birth to enjoy maternity treatment. Beijing can only have a record of 7 years and no more than 6 months. You can't buy a car or a house in Beijing without a supplementary record. Like industrial injury insurance, even if it is paid, the previous expenses cannot be reimbursed.
But it is very useful for people who have reached retirement age and the payment period is less than 15 years. However, social insurance premiums are not paid if you want, but must comply with the law.