What if the pension has paid for 15 years and the medical insurance has not paid for 25 years when you reach the statutory retirement age

2022-05-03 0 By

Health insurance is inseparable for ordinary people.Especially into the retirement life of the elderly, the body’s various functions decline quickly, the probability of going to the hospital to see a doctor gradually increased.At this time, fully reflect the importance of medical insurance.Reaching the legal retirement age, it is quite normal that the medical insurance has not paid enough for 25 years, because the medical insurance began to be mandatory in 1998, which is later than the endowment insurance, but the payment period is longer than the endowment insurance, and the medical insurance is often paid together with the endowment insurance.So, when bring about a lot of people to retire age, endowment insurance expends fixed number of year already satisfied, but medical treatment insurance expends fixed number of year is not enough, this is very common situation.Need not worry, the length of pay cost of medical treatment insurance, do not affect normal deal with retire.Medicare is less than 25 years away from retirement, and there are ways to fix it.One, the lowest capture expends fixed number of year of the minimum capture expends fixed number of year of endowment insurance that should be clear above all the medical treatment insurance that you are in province 15 years, this is the standard with unified countrywide all areas.Wanted to satisfy this capture expends fixed number of year only, arrived the emeritus age of the regulation, can deal with emeritus and get annuities.There is no unified national standard for the number of years for medical insurance contributions.The minimum number of years for the payment of medical insurance shall be implemented according to the standards set by each province.I looked up the relevant information and summed up the number of years of payment of medical insurance in some provinces as follows for your reference: 1. Shanghai: the minimum number of years of payment of medical insurance for employees is 15 years.2. Chongqing municipality: the total number of years of employee medical insurance payment for male is 30 years, and the total number of years for female is 25 years, including the actual number of years of employee medical insurance payment for Chongqing and the same number of years, and the actual number of years of employee medical insurance payment shall be 10 years.3. Beijing: The minimum payment period for male employees’ medical insurance is 25 years, and for female employees’ medical insurance is 20 years.Classics labor ensures administrative branch affirms, of the worker continuous length of service or working fixed number of year accords with national regulation, inspect capture of fixed number of year with primary medical treatment insurance expends.4. Guangdong Province: The Regulation of Guangzhou On Social Medical Insurance extends the minimum payment period from the current 10 years to 15 years.At the same time, in order to guarantee the medical treatment of employees who have not reached the legal retirement age after 15 years, they still need to continue to participate in the insurance until retirement.5. Hebei Province: when a man reaches the age of 60 and a woman 55, the accumulated years of paying basic medical insurance premium shall be no less than 25 years for a man and no less than 20 years for a woman, among which the actual years of paying basic medical insurance premium shall be no less than 15 years, and retirees can enjoy medical insurance treatment.6. Nanjing city: The minimum time limit for male employees to pay for medical insurance is 30 years, and for female employees to pay for medical insurance is 25 years.Flexible employment of the actual continuous contribution of 10 years.7. Hangzhou: The minimum payment period for employee medical insurance is 20 years.Fixed number of year of capture of cure capture expends, still be the regulation that protects with place ginseng is accurate, arrived emeritus age so, cure did not hand in enough 25 years, what standard is specific of fixed number of year of capture of cure capture that you should see place above all.Endowment insurance has cancelled the preferential payment of a supplementary payment, so for many friends, to the retirement age, the endowment insurance has not been fully paid, the minimum payment period of 15 years, can only delay retirement or surrender.Two, to the legal retirement age, if there is no local requirements to meet the minimum number of years of medical insurance payment, there are two ways to solve 1, medical insurance has not reached the minimum number of years of payment, retirement can choose to pay to the retirement age, you have to deal with pension retirement, and then deal with medical insurance retirement.If the insurance does not pay enough years, the insurance can not handle retirement, at this time you can choose to make up the insurance.After filling capture successfully according to the regulation of local relevant branch, after retiring, do not need to pay again cost of medical insurance, can enjoy treatment of free medical insurance all one’s life.The supplementary payment for medical insurance is generally based on the local social wage as the payment base, and the proportion of payment is about 7-8%.If the local social wage is calculated at 8% and the local social wage is 5000 yuan, then your monthly supplementary payment for medical insurance will be 5000× 8% =400 yuan.If you are two years short of the minimum 25-year payment period of the medical insurance, the total cost of your supplementary payment for the medical insurance will be 400×12×2= 9,600 yuan.Additional, ask everybody to note: medical treatment insurance cannot fill one-time capture commonly below the circumstance.Arrived emeritus age endowment insurance to had handed in 15 years above only, deal with emeritus formalities before can one-time fill capture is insufficient the medical insurance of year.One-time fill capture protects oneself, specific cost-effective not cost-effective also want to set out from actual.If in the age of retirement, medical insurance capture to expend fixed number of year has been close to the lowermost capture to expend fixed number of year of local standards, require payment of the fixed number of year is shorter, and the amount is relatively less, you can select a one-time payment, after payment can directly enjoy lifelong treatment of medical treatment insurance, in the long run, this kind of payment or it’s a good deal.2. It is difficult to make one-time supplementary payment for medical insurance, so you can choose to make monthly payment for medical insurance. If the supplementary payment for medical insurance takes a long time, the supplementary payment amount is relatively high.According to the standard of 25 years of insurance payment, some people have to pay more than 10 or even 20 years.Many people may not have such economic ability, a few tens of thousands is more difficult to take out.Below this kind of circumstance, can month by month pay protects oneself, pay is several hundred yuan commonly every month.For example, when you retire, you will only be contributing to medicare for 10 years, whereas the minimum contribution period for local medicare is 25 years.So still need to continue pay medical treatment insurance 15 years, choose monthly pay, satisfied pay for medical treatment to expend fixed number of year can deal with medical treatment to retire, and after dealing with medical treatment to retire, do not need to pay medical treatment to retire, can enjoy treatment of medical treatment for life.Above all, as long as continue to pay medical treatment insurance cost by month, you can continue to enjoy treatment of medical treatment insurance.Next, after dealing with endowment insurance to retire, every month can get pension, can take out a part to pay every month of medical insurance cost, such pressure will reduce a lot of.Third, if the period of payment for medical insurance is long, it is really not recommended to make one-time payment, because the period of payment for arrears is too long. For the retired elderly, who knows what will happen after more than ten years?When the time comes, I do not know whether the person is still in, and the cost of 15 or 20 years of one-time filling is very large, for the retired people, the pressure will be bigger, the choice to continue to pay by the month is a more sensible choice.1. Health insurance is highly leveraged, a tool to protect against big risks at a small cost.When you have medical insurance, you give yourself an extra layer of security.If you are really sick, it can cost hundreds or thousands of yuan to go to the hospital at your own expense.If the hospitalization method, the cost is more, there is no health insurance, will put great financial pressure on the family.2, to the retirement age, into old age, physical quality can only be deteriorating, often have to go to the hospital to see a doctor to buy medicine.Ordinary people have limited pensions, so they should increase medical insurance to relieve economic pressure.3, to the legal retirement age, if the medical insurance has not reached the minimum number of years of payment, how to make up the medical insurance to decide according to the actual situation.If the fixed number of years is shorter, you can choose to pay all the fees in a lump sum;If the fixed number of year of fill capture is longer, the proposal continues to choose the means that capture by month, reduce economic pressure, can enjoy treatment of medical treatment insurance likewise.