I am in the process of retiring. There are 3 years of blank space in my file and I am asked to make up for it. What should I do?

In May 2018, I went through the retirement procedures for my family members two months in advance; I brought her ID card and personal file bag (she was a seconded employee. When she was laid off, the original unit was bankrupt and no unit accepted the file. Keep it in my own hands); wait for the relevant materials, and after completing the relevant procedures in the lobby on the first floor, take the file bag to the archives room on the fourth floor to find a staff member; check the "deemed payment period", open the file bag, and start from the first "Inside the Unit" I checked the relevant labor relations records one by one at the beginning of the "Recruitment Registration Form" (July 15, 1985) and found that after the original unit went bankrupt in April 1993, I was first placed to work in the textile factory and then seconded to my unit (food system). I was informed that there were 4 The annual pension insurance premiums have not been paid for a long time (from 1993 to 1997).

The staff asked me if I wanted to pay it back?

I asked: How to pay at the end of these 4 years?

She said: The specific situation is unclear, but the original textile factory unit failed to pay four years of pension insurance premiums.

She said: It is your choice whether to make up for it or not. Failure to make up for it will affect the "deemed payment period" of 4 years. After making up payment, the period will be increased by 4 years.

I said: How much does it cost to make up for it?

She did the math and replied, "pension insurance premium plus late payment fee" *** 4,999 yuan.

I said: Make up for it

So she issued a back payment receipt, went to the tax bureau to complete the payment of 4,999 yuan, returned to the Human Resources and Social Security Bureau with the tax payment certificate, and filled out the "Retirement Registration Form" , and go to the community where the household registration is located to get a stamp to prove it, and then return to the Human Resources and Social Security Bureau to hand the "declaration form" to the staff and wait for approval.

In September 2018, I finally waited for the "SMS notification". The retirement pension was 2,046 yuan per month (deemed to have been paid for 11 years, the social security payment period was 22.4 years, and the average payment index was 0.68. It was a laid-off employee and was flexible. Employment and social security, women apply for retirement when they are 50 years old). Since they retire in the first half of the year, there will be a "pension supplement" in the second half of the year. After the supplement is paid at the end of the year, the monthly retirement pension will be 2,145.49 yuan.

After three years of "pension increases" in 2119, 20, and 21, the monthly pension is now 2,599.95 yuan.

If you do not make up for the "4 years" of arrears, it will be deemed that the payment period is 4 years shorter. I did a preliminary calculation and found that the monthly pension impact is 260 yuan, which is 3120 yuan a year, and the annual pension is The pension adjustment has also been reduced by nearly 12 yuan. Although I felt uncomfortable when I made the supplement at the time and required you to spend an extra amount of money. Now that I think about it, the pension has increased a lot after the supplement, and it will last a lifetime after retirement. It is really a good deal. of.

I suggest you make up for it! Because it affects retirement pensions, who doesn’t want to get more in their pension every month?

You have to pay it back. For the rest of our lives, we all have to look at our pensions for decades to come. The thousands of dollars I paid back came back within a few months. Don't feel uncomfortable, just treat yourself as a friend and have a big meal. As long as people live healthy, everything is available. Money serves people, not people who live for money.

Make decisions based on your own financial income. There is no need to listen to others. If you don’t have money, what will you use to make up the payment? If you can get it and it doesn't affect your quality of life, you can pay it back.

Make up for it, you must make up for it. I have worked in labor and management all my life and I know it. Make up for it quickly. Three years is worth it. The final calculation of pension depends on the length of service and your contribution base. Both are useful.

It’s a good thing that the social security institution allows you to make back payments. Many people want to make back payments for previous years, but because they do not have salary slips, labor contracts and other materials that can prove the existence of the labor relationship, they do not meet the conditions for making up payments, and the social security agency does not agree to make up payments.

According to the current pension calculation method, the pension amount is directly linked to the level of the payment base and the payment period. In layman’s terms, it means “the more you pay, the more you get, and the more you pay, the more you get.” If you pay three years in advance, you will have added three years of payment. When calculating the basic pension, based on the current monthly pension calculation base of 7,103 yuan in Anhui Province, the basic pension will be increased by about 180 yuan per month, and you can receive an extra 2,200 yuan per year. Yuan or so.

The amount of back payment of social insurance premiums is calculated based on the payment base of previous years. Of course, interest must also be included. In the past, salary levels were generally low, so the amount of backpayment should not be large. Even the sum of three years' worth of backpayments is much less than the current one-year payable amount. However, when calculating the basic pension for retirement, the previous one-year contribution period has the same impact on the basic pension as it does now.

Due to the small amount of backpayment in previous years, it will have a certain impact on personal account pensions, but the impact is relatively small.

In the future, when pension adjustments are made each year, a combination of general adjustments and linked adjustments will generally be implemented. Linked adjustments include linking to the payment years and linking to the individual’s pension level in the previous year.

It can be seen that compared with the expenditure on back payment of social insurance premiums, the income generated by the back payment is greater than the expenditure, which is very cost-effective.

For back payment, if the unit underpays, if the unit still exists, you can ask the unit to bear the unit's due part and interest, and you only need to bear the interest of the individual's part. If the unit does not exist or has no assets and you want to make additional payments, you have to bear the full amount yourself.

Should be resubmitted. Otherwise, the service length will be reduced by three years, the payment period will be reduced by three years, and the retirement salary will be reduced accordingly, which is not cost-effective.

This situation is usually caused by abnormal work, such as taking a long leave, being suspended without pay, etc. There is no salary to support the payment of pension insurance, and the employer does not let you pay them to pay, thus forming a gap. .

You can go to the HR department of your unit to verify the reason for non-payment. If they go to work normally and the employer fails to pay, then they are negligent in their work and ask the employer to make up the payment; if it is due to their own reasons and they do not go to work normally and there is no fee to pay, then they can just make up the payment now.

After paying the outstanding fees, you can go through the normal retirement procedures and enjoy your own life. I wish you happiness!

I know a person who was one year short of paying more than 10,000 yuan in the end. When he retired, he earned 50 yuan more than if he had not made up the payment. In the end, he said that it would be better not to make up the payment and earn 50 yuan more a month. It’s not worth it

It is obligatory to choose to make up the payment. First, find out what caused the three-year gap? If you haven't paid it for your own reasons, then you have to make up for it yourself. If you work for your employer and you haven't paid it, go to your employer and they will make up the payment. Nowadays, pension insurance implements a policy of paying more and getting more. If you make up for these three years, your retirement salary will be higher in the future.

丨Let me tell you an example where there is a three-year gap in medical insurance in your file: In our place, medical insurance needs to be paid for 25 years. If there is a three-year gap in your file, it is three years of medical insurance. If the insurance is not paid, and when you retire at the age of 50, the medical insurance will still be three years short of 25 years, then you need to make up those three years. If it has already reached 25 years, then you don’t need to make up the insurance. Of course, medical insurance can also be repaid in one go, but the repayment is the current annual payment, which is not as cost-effective as the previous three years, because the repayment for those three years is calculated based on the previous expenses. This can also save some money.

It’s very simple, just submit it.

As long as you can retire smoothly, you can do whatever others want you to do.

In the past, we all had files, but now we seldom create files. As long as there is a labor manual, the work unit does not need to be fixed, but the payment of payment is handled according to the labor manual. This is ironclad evidence.

Your situation has passed and you have no way to pursue right and wrong. Now you find that you have to make up the three-year gap, otherwise it will affect your retirement. A good man will not suffer the immediate loss, right?

Missing files for three years will be an irreparable pain for you, and it will also cause some financial losses in your retirement. Things in the past cannot be investigated, and the mute will definitely suffer the consequences. I sympathize with your experience.

Working all your life, only to find something wrong with your file in the end. This rarely happens, and I don’t want it to happen. Don’t be angry and hurt your body. It’s not worth it.

Since this is the case, then just make up for it and make up for it. Don’t compare with others for the amount of your pension after retirement. Just make it enough. If your health allows, you can choose to re-employ and reserve more wealth for your old age. It’s better; if you are not in good health, you can take a rest and enjoy family happiness. It is also a very happy thing to accompany your family around the stove.