Endowment insurance wants capture cost is full 15 years, the ability when retiring gets old-age pension, this is a of endowment insurance system hard thick line. But a lot of people because big, ginseng keeps the age unemployment of late, midway, interrupt pay cost to wait a reason a moment, pay cost time is very short, still have a plenty of desultory, when oneself draw near discovery of the ability when retiring, add up between oneself capture take time still be not worth 15 years, cannot enjoy treatment of provide for the aged, how can this do?

Expert introduction, this problem is in " law of insurance of society of People's Republic of China " the 2nd chapter the 16th in draw up clearly: "Attend the individual of primary endowment insurance, capture of the accumulative total when reaching legal and emeritus age expends inadequacy 15 years, can pay cost comes full 15 years, get basic old-age pension by the month; Also can turn into endowment insurance of new-style country society or endowment insurance of town dweller society, according to the State Council the regulation enjoys corresponding endowment insurance treatment. According to the State Council the regulation enjoys corresponding endowment insurance treatment..

A lot of people because all sorts of reasons, cannot think of dry state law to decide emeritus age, want to retire ahead of schedule however, the likelihood thinks in 449 years old abdication did not work, below this kind of circumstance, endowment insurance already capture is enough 15 years, but did not reach the age of adopt old gold again. Are they very interrogative also -- we how should this kind of circumstance do? How is endowment insurance pay of future enjoyed?

The expert says, " law of insurance of society of People's Republic of China " in if specific provision gets annuities to need to satisfy at the same time by the month: 1, cost of accumulative total pay is full 15 years; 2, reach legal and emeritus age. So employee must be gotten when ability of legal and emeritus age explain receive annuities treatment.

Now, a lot of people are oppugned, the country is retiring in research defer policy, to the individual, the most immediate impact is endowment insurance wants much capture a certain number of year, get less a certain number of year, obvious people is very not willing. Then many people want to calculate how many old-age pension can be gotten after all when considering his emeritus, be being compared is to go up after all social security be to one's profit, flat still does the investment of money go off with of endowment insurance do a pay bit of other be to one's profit? Then, calculator of gold of a lot of endowment insurance appeared on the net, but method of this kind of calculation is not accurate.

Social security branch often can publicize endowment insurance is " much capture is gotten more " , encourage cost of everybody much pay. Be after all so one and the same? From computation can discover among formula, capture expends fixed number of year to grow, annuities of plan hair foundation and transitional the plan hair proportion of annuities is large; Pay cost level is high, index of real pay cost is relevant tall, computational foundation annuities and transitional the result of annuities is tall, this shows, "Much capture is gotten more " be not Xu Yan.