As long as men and women reach the age of 45 or 40, the insured can make up the payment, and the maximum payment can only be 15 years, while the payment can be 15 years for women who reach the age of 60 or 55.

Second, the payment algorithm:

The expenses to be paid are generally based on 60% of the average salary of employees in the previous year, and the old-age insurance premium is paid according to the proportion of 20%.

Individuals can pay 15 endowment insurance in one lump sum. The repayment policy is: nearly 90,000 yuan at a time. Men over 60 years old and women over 55 years old can receive a monthly pension of about 1 100 yuan. As time goes on, the monthly pension will increase.

legal ground

Article 13 of the Interim Measures for the Administration of Individual Accounts of Employees' Basic Old-age Insurance, if a unit or individual fails to pay the basic old-age insurance premium in full and on time for some reason, it shall be deemed as unpaid. In the month of arrears, whether in full or in part, it will not be credited to the personal account for the time being, and it can be credited to the personal account only after the unit or individual fills in the amount of arrears according to the regulations.

During the period when the enterprise where the employee works owes the old-age insurance premium, the employee can continue to pay the old-age insurance premium, and the full payment fee is included in the personal account, which is calculated as the actual payment period of the employee. After the default occurs, the future payments will be recorded in the form of rolling distribution: that is, the fees and interest in arrears in the previous period will be paid first, and the rest will be paid as the current month.