Social security has been paid 15 years. Do you want to continue to hand it in? Is it better to make it as long as possible?

Everyone who has paid old-age insurance now knows that after paying social security 15 years and reaching the legal retirement age, you can receive basic old-age security every month. After paying social security 15 years, can I really wait until I retire and get a monthly pension? In fact, not many people will do this and choose to continue to pay, because it also involves medical insurance, different monthly payments after retirement, and delayed retirement. The social security fund follows the principle of "the more the better". We all know that this social security contribution has a base. If you have a high enrollment base and a long service life, you will have more money in basic account, and you will receive more pension every month after retirement age. Regular enterprises and institutions pay endowment insurance in full according to the monthly salary standard. When you reach retirement age, you usually have twenty or thirty years of service, and your pension is often higher. Therefore, the amount of pension is directly proportional to the insured base and working years.

The payment period of medical insurance can be much longer than 15. Social security is so important because it includes medical insurance. The requirement of this medical insurance is far more than 15 years. In most cities, women need 25 years of medical insurance, and men need 30 years to enjoy the policy of lifelong medical insurance. If the social security has only been paid for 15 years, and the medical insurance has not reached the payment period, it will be very uneconomical to stop the insurance blindly. In case of illness and hospitalization in the future, you have to pay for it yourself and you can't enjoy the preferential policy of insurance reimbursement.

Future payment period or retirement age may change. Although the minimum payment period of social security in China is 15 years now, there is no guarantee that the payment period will be extended in the future. If it is gradually raised to 18-20 years, with the change of policy, it will be very passive to pay only 15 years in front and less than 20 years later. In addition, there is a saying that retirement will be delayed in the future. The more you reach retirement age, the greater the gap between them, and the less pension you can get after retirement. It is you who suffer.

Social security should be regarded as a long-term investment. Nowadays, young people are basically moonlight people, so it is difficult to save money. After getting married and starting a family, there are expenses such as mortgage and children's education. It is unrealistic to rely on savings to support the elderly. This can be regarded as a long-term capital investment. Now there is a fixed amount of investment every month. Even if you have little savings at retirement age, you can get a good pension and enjoy basic medical insurance every month. It is also good to maintain the most basic survival needs.

Therefore, it is far from enough to pay this social security only for 15 years. It must be as long as possible, and it is also more protection for yourself. On the one hand, the amount received every month after 15 may be only 1000 yuan, which can't meet the needs of survival at all; In addition, the payment of medical insurance is not enough 15 years. Being blessed without medical insurance is quite risky and has poor ability to resist risks. Without insurance, the reimbursement ratio is difficult. We can take this social security as a long-term investment, make a fixed investment every year, and start paying dividends after retirement, so that we will have no worries in our later years.