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养老保险缴费是不是15年就够了?从养老保险政策和职工的切身利益考虑,都是不可行的。一、政策和法律上行不通其一,根据政策规定:办理退休条件①必须达到法定退休年龄②个人缴费年限累计满15年。所以个人缴费年限累计满15年是职工退休后享受按月领取养老金待遇的基本条件。据笔者粗算,一名退休职工若按漳州市上一年度缴费基数计算,一次性缴纳养老保险费15年仅为16920元,而我市2001年度缴费15年支付每位退休人员需支付养老金63444元。不难算出,养老金支付的“大头”靠国家负担。养老保险是政府行为,实行的是地方财政兜底政策。这些年来我市养老保险基金缺口逐年
Is it enough for the pension insurance payment to be 15 years? From the perspective of the endowment insurance policy and the immediate interests of the employees, it is not feasible. First, the policies and laws do not go up one by one, according to the policy: Retirement conditions ① must reach the statutory retirement age ② Individual payment years accumulated over 15 years. Therefore, the accumulated payment period of 15 years is the basic condition for workers to enjoy the monthly pension after retirement. According to my rough estimate, if a retired employee according to the previous year Zhangzhou base payment base, one-time payment of pension insurance 15 years only 16920 yuan, while the city in 2001 to pay 15 years to pay each retirement pension to be paid 63444 yuan. It is not difficult to figure out that pension payments “bulk” by the state burden. Endowment insurance is a government act, which is implemented through local financial policies. In recent years, the city's pension fund gap every year