In order to receive retirement wages, employees participating in endowment insurance must meet two conditions at the same time before they can receive them every month: (1) reaching the statutory retirement age; (2) The accumulated endowment insurance premium has reached 15 years. Note that the relationship between them is not or. In addition, if your accumulated contributions are less than 15 years, you can receive the accumulated funds in your personal account at one time when you retire. Full payment of endowment insurance 15 is one of the necessary conditions for retirement and monthly pension benefits (one-time settlement of insufficient payment 15). The level of pension is directly linked to the payment period and payment amount, that is, the longer the payment time and the more the payment amount, the higher the pension level. The difference mainly lies in the pension part of personal account, and the time of interruption of payment is not included in the payment period. For example, let's make a comparison: suppose the payment base is 1 1,000 yuan per month (excluding the adjustment of the payment base and interest), and the personal account pension calculated with the payment period of 30 years is [1 1,000 yuan × 1%× 12 (month )× 30. If the payment period is 15 years, the calculated personal account pension is 165 yuan per month. The difference between the two is half, and if interest and other factors are considered, the gap is even greater. 2. In terms of medical insurance, there are also specific provisions for retirees. It is generally the payment period of medical insurance (including deemed payment period). Women over the age of 25 and men over the age of 30 can enjoy social pooling of medical insurance. That is, if the individual no longer pays the fee, he can continue to transfer money to his personal account; Generally, based on the average salary of employees in this unit, it is transferred to the individual account of retirees according to 3.7%.

(Legal basis) Article 27 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "Individuals who participate in the basic medical insurance for employees do not pay the basic medical insurance premium after retirement, and if the accumulated payment reaches the number of years stipulated by the state when they reach the statutory retirement age, they will enjoy the basic medical insurance benefits according to the state regulations; If it is not reached, it can be paid to the fixed number of years stipulated by the state.