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1. Pension insurance must pay the prescribed minimum number of years (generally 15 years), and you can enjoy pension benefits only when you reach retirement age (60 years for male employees, 50 years for female employees and 55 years for female cadres). The retirement age of freelancers shall be implemented according to local regulations. Pension insurance must be paid for 15 years and reach retirement age (60 years for male employees, 50 years for female employees and 55 years for female cadres) before they can enjoy pension benefits. 2. If there is a unit, even if the employees have not retired for 15 years, the enterprise will continue to pay fees until retirement; Individuals who pay social security can stop paying or continue to pay. According to the local policy, they will definitely continue to pay high salaries. Endowment insurance follows the principle of "pay more and get more". The higher the payment base, the longer the service period, and the more pensions you receive when you retire. Once the payment is stopped, it will directly affect the pension benefits after retirement. 3. The calculation method of monthly basic pension is: when I retire, the average monthly salary of local employees in the previous year ×20%+ personal account deposit/120. After the payment is stopped, the pension is still calculated according to the social wage of the previous year when the payment is stopped, and the payment period is short, and the amount stored in the personal account is small, so the grade of the pension received after retirement is correspondingly reduced. How much can I pay for social security retirement after paying 15? The formula is: pension = basic pension+personal account pension, in which: basic pension = (the average monthly salary of employees in the whole province in the previous year+my average monthly contribution salary) ÷2× payment years × 1% monthly basic pension = basic pension+personal account pension+transitional pension = the previous year when retiring.