養(yang)老(lao)金(jin)(jin)交費年限1、參加基本(ben)養(yang)老(lao)保險的個人,達到法定退(tui)休年齡時累計繳費滿十五年的,按(an)月(yue)領(ling)取基本(ben)養(yang)老(lao)金(jin)(jin)。
2、達到法定退休年齡(ling)時累計繳費(fei)不足十五年的(de),可以(yi)繳費(fei)至滿(man)十五年,按月領取基本養老金。
3、也可以轉入(ru)新型農(nong)村社會(hui)養老保險或者城(cheng)鎮(zhen)居民社會(hui)養老保險,按照國務(wu)院(yuan)規定享受相應(ying)的養老保險待遇。
繳(jiao)(jiao)(jiao)費(fei)政(zheng)策1、基礎(chu)(chu)養(yang)老(lao)(lao)金月(yue)標(biao)準以(yi)(yi)退(tui)休時(shi)(shi)上年(nian)(nian)(nian)(nian)度(du)全(quan)省(sheng)在(zai)崗(gang)職工(gong)月(yue)平(ping)(ping)均(jun)(jun)工(gong)資(zi)和(he)本(ben)人(ren)指數(shu)(shu)化(hua)(hua)月(yue)平(ping)(ping)均(jun)(jun)繳(jiao)(jiao)(jiao)費(fei)工(gong)資(zi)的平(ping)(ping)均(jun)(jun)值為(wei)(wei)基數(shu)(shu),繳(jiao)(jiao)(jiao)費(fei)每滿(man)1年(nian)(nian)(nian)(nian)發給1%。也就是(shi)說,如(ru)果(guo)參保人(ren)員繳(jiao)(jiao)(jiao)費(fei)年(nian)(nian)(nian)(nian)限(xian)為(wei)(wei)15年(nian)(nian)(nian)(nian),那么(me)其(qi)基礎(chu)(chu)養(yang)老(lao)(lao)金部(bu)分就是(shi)退(tui)休時(shi)(shi)上年(nian)(nian)(nian)(nian)度(du)全(quan)省(sheng)在(zai)崗(gang)職工(gong)月(yue)平(ping)(ping)均(jun)(jun)工(gong)資(zi)和(he)本(ben)人(ren)指數(shu)(shu)化(hua)(hua)月(yue)平(ping)(ping)均(jun)(jun)繳(jiao)(jiao)(jiao)費(fei)工(gong)資(zi)的平(ping)(ping)均(jun)(jun)值乘以(yi)(yi)15%,但是(shi)如(ru)果(guo)參保人(ren)員在(zai)繳(jiao)(jiao)(jiao)費(fei)年(nian)(nian)(nian)(nian)限(xian)滿(man)15年(nian)(nian)(nian)(nian)后繼續繳(jiao)(jiao)(jiao)費(fei),那么(me)隨著繳(jiao)(jiao)(jiao)費(fei)年(nian)(nian)(nian)(nian)限(xian)每增加(jia)一年(nian)(nian)(nian)(nian),基礎(chu)(chu)養(yang)老(lao)(lao)金部(bu)分就會相應增加(jia)1%。張先生(sheng)繳(jiao)(jiao)(jiao)費(fei)年(nian)(nian)(nian)(nian)限(xian)已經31年(nian)(nian)(nian)(nian),那么(me)在(zai)計算(suan)其(qi)基礎(chu)(chu)養(yang)老(lao)(lao)金部(bu)分時(shi)(shi),就是(shi)退(tui)休時(shi)(shi)上年(nian)(nian)(nian)(nian)度(du)全(quan)省(sheng)在(zai)崗(gang)職工(gong)月(yue)平(ping)(ping)均(jun)(jun)工(gong)資(zi)和(he)本(ben)人(ren)指數(shu)(shu)化(hua)(hua)月(yue)平(ping)(ping)均(jun)(jun)繳(jiao)(jiao)(jiao)費(fei)工(gong)資(zi)的平(ping)(ping)均(jun)(jun)值乘以(yi)(yi)31%。
2、另(ling)外,個(ge)人(ren)賬戶(hu)(hu)(hu)養(yang)老金部分以(yi)(yi)本人(ren)賬戶(hu)(hu)(hu)儲存(cun)額除(chu)以(yi)(yi)計發月數(shu)計算。而(er)個(ge)人(ren)賬戶(hu)(hu)(hu)儲存(cun)額隨(sui)著參(can)(can)保(bao)(bao)人(ren)員的(de)繳(jiao)(jiao)(jiao)費(fei)(fei),按其(qi)繳(jiao)(jiao)(jiao)費(fei)(fei)基(ji)數(shu)的(de)8%劃入。也(ye)就是(shi)(shi)說,參(can)(can)保(bao)(bao)人(ren)員繳(jiao)(jiao)(jiao)費(fei)(fei)年(nian)限增加(jia),其(qi)個(ge)人(ren)賬戶(hu)(hu)(hu)的(de)總額也(ye)會相應增高。所以(yi)(yi),養(yang)老金的(de)計發遵循(xun)的(de)是(shi)(shi)多繳(jiao)(jiao)(jiao)費(fei)(fei)、多得養(yang)老金的(de)原則(ze)。參(can)(can)保(bao)(bao)人(ren)員達到(dao)退休(xiu)年(nian)齡時繳(jiao)(jiao)(jiao)納養(yang)老保(bao)(bao)險費(fei)(fei)年(nian)限滿15年(nian)才能按月領取養(yang)老金,這只是(shi)(shi)最低繳(jiao)(jiao)(jiao)費(fei)(fei)年(nian)限的(de)規定(ding),并(bing)不是(shi)(shi)繳(jiao)(jiao)(jiao)費(fei)(fei)年(nian)限滿15年(nian)就不需要再繳(jiao)(jiao)(jiao)費(fei)(fei),參(can)(can)保(bao)(bao)人(ren)員原則(ze)上應該(gai)一直繳(jiao)(jiao)(jiao)到(dao)退休(xiu)。
3、社會(hui)保險法第十(shi)六條規定,參加基本養(yang)(yang)老(lao)保險的(de)個人(ren),達到法定退(tui)休年(nian)齡時累(lei)計繳(jiao)(jiao)費滿十(shi)五年(nian)的(de),按月領取基本養(yang)(yang)老(lao)金(jin)。達到法定退(tui)休年(nian)齡時累(lei)計繳(jiao)(jiao)費不足十(shi)五年(nian)的(de),可以繳(jiao)(jiao)費至滿十(shi)五年(nian),按月領取基本養(yang)(yang)老(lao)金(jin);也可以轉入新型農村社會(hui)養(yang)(yang)老(lao)保險或者城鎮(zhen)居民社會(hui)養(yang)(yang)老(lao)保險,按照國務院規定享受相應的(de)養(yang)(yang)老(lao)保險待遇。
繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)誤區一些參保人(ren)(ren)員認為繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)滿15年(nian)(nian)(nian)后就可以(yi)不繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)了,這(zhe)是不正(zheng)確(que)的,這(zhe)樣做會(hui)使自己(ji)退休(xiu)待(dai)遇受到(dao)(dao)影響。對繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)滿15年(nian)(nian)(nian)但(dan)未達(da)到(dao)(dao)退休(xiu)年(nian)(nian)(nian)齡(ling)的人(ren)(ren)員,仍應繼續參加社會(hui)保險(xian),按(an)規(gui)定(ding)(ding)(ding)繳(jiao)(jiao)(jiao)納養(yang)老(lao)(lao)保險(xian)費(fei)(fei)(fei)(fei)。如中斷(duan)繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei),在(zai)達(da)到(dao)(dao)退休(xiu)年(nian)(nian)(nian)齡(ling)確(que)定(ding)(ding)(ding)基(ji)本(ben)養(yang)老(lao)(lao)保險(xian)待(dai)遇時,基(ji)礎(chu)養(yang)老(lao)(lao)金的計算基(ji)數(shu)只(zhi)能按(an)本(ben)人(ren)(ren)中斷(duan)繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)上(shang)年(nian)(nian)(nian)全市在(zai)崗職工(gong)平(ping)均工(gong)資確(que)定(ding)(ding)(ding);多次中斷(duan)繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)的,扣(kou)減中斷(duan)繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)的全部年(nian)(nian)(nian)份,推算出累計繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)年(nian)(nian)(nian)限,并按(an)推算后的繳(jiao)(jiao)(jiao)費(fei)(fei)(fei)(fei)年(nian)(nian)(nian)限和上(shang)年(nian)(nian)(nian)全市在(zai)崗職工(gong)月平(ping)均工(gong)資確(que)定(ding)(ding)(ding)基(ji)礎(chu)養(yang)老(lao)(lao)金。
結(jie)論由此得(de)出結(jie)論,養老保(bao)險至少要交滿十五(wu)(wu)年,交滿十五(wu)(wu)年之(zhi)(zhi)后(hou)(hou)尚(shang)未(wei)到(dao)法(fa)定(ding)(ding)退休年齡(ling)的話,可以自(zi)(zi)主(zhu)選擇繼續交下去(qu)或者選擇終(zhong)止不交。如果(guo)終(zhong)止不交的話就(jiu)(jiu)是(shi)直(zhi)接(jie)等到(dao)了法(fa)定(ding)(ding)退休年齡(ling)之(zhi)(zhi)后(hou)(hou)每月(yue)領取退休金(jin)(jin),但是(shi)如果(guo)選擇繼續交下去(qu)的話,交費的年限越(yue)(yue)長,未(wei)來到(dao)了法(fa)定(ding)(ding)退休年齡(ling)之(zhi)(zhi)后(hou)(hou)每月(yue)能(neng)(neng)領到(dao)的退休金(jin)(jin)就(jiu)(jiu)會越(yue)(yue)多(duo)(duo)(duo),就(jiu)(jiu)是(shi)說,交得(de)越(yue)(yue)多(duo)(duo)(duo),領得(de)越(yue)(yue)多(duo)(duo)(duo)。所(suo)以建議各位(wei)在自(zi)(zi)己有工(gong)作(zuo)有能(neng)(neng)力之(zhi)(zhi)年還是(shi)把養老金(jin)(jin)持續得(de)繳納下去(qu),一直(zhi)繳納到(dao)法(fa)定(ding)(ding)的退休年齡(ling)。這樣就(jiu)(jiu)能(neng)(neng)在到(dao)了法(fa)定(ding)(ding)退休年齡(ling)之(zhi)(zhi)后(hou)(hou)可以領到(dao)更(geng)多(duo)(duo)(duo)的退休金(jin)(jin),就(jiu)(jiu)能(neng)(neng)在退休之(zhi)(zhi)后(hou)(hou)沒(mei)有工(gong)作(zuo)收(shou)入(ru)之(zhi)(zhi)后(hou)(hou)能(neng)(neng)有更(geng)多(duo)(duo)(duo)給自(zi)(zi)己支(zhi)配的錢財。從而讓自(zi)(zi)己的老年過得(de)更(geng)加充實,更(geng)加豐(feng)富多(duo)(duo)(duo)彩(cai),給自(zi)(zi)己的精彩(cai)的生命(ming)旅程畫上最燦爛光輝的一筆
養老保險需(xu)要累(lei)(lei)計繳(jiao)費15年(nian)(nian)(nian)，繳(jiao)保人達(da)到(dao)法定退休年(nian)(nian)(nian)齡(ling)養老保險需(xu)要累(lei)(lei)計繳(jiao)費15年(nian)(nian)(nian)，繳(jiao)保人達(da)到(dao)法定退休年(nian)(nian)(nian)齡(ling)（男性60周歲，女性55周歲）后才可按(an)月領(ling)取養老金。
也就是(shi)說，如果養(yang)老保險(xian)累(lei)計繳(jiao)費已滿15年(nian)，但是(shi)還沒有達到法(fa)定退休年(nian)齡(ling)也是(shi)無法(fa)享受(shou)待遇的。
如(ru)果達到法(fa)定退(tui)休年齡(ling)但是養(yang)老(lao)保(bao)險(xian)累計繳費(fei)還未滿15年，那么可(ke)以轉入新型(xing)農村社(she)會(hui)養(yang)老(lao)保(bao)險(xian)或者城鎮(zhen)居民社(she)會(hui)養(yang)老(lao)保(bao)險(xian)，再按照(zhao)政(zheng)策享受養(yang)老(lao)保(bao)險(xian)待遇。
新農保(bao)現在已(yi)和城鎮居(ju)民養(yang)(yang)老(lao)(lao)保(bao)險(xian)合并了(le)，統稱城鄉居(ju)民養(yang)(yang)老(lao)(lao)保(bao)險(xian)。根(gen)據相關政策規(gui)定(ding)，無論是男是女，一律(lv)要等到(dao)年(nian)滿60歲(sui)，養(yang)(yang)老(lao)(lao)保(bao)險(xian)繳費年(nian)限(xian)達(da)到(dao)15年(nian)，才(cai)可以(yi)辦理(li)退休，按月領取養(yang)(yang)老(lao)(lao)金(jin)。如(ru)果到(dao)了(le)60歲(sui)，繳費年(nian)限(xian)沒有達(da)到(dao)規(gui)定(ding)年(nian)限(xian)，可以(yi)一次性(xing)外齊，正常(chang)辦理(li)退休，但不(bu)能享受政府補貼
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