快看！退休时养老保险缴费不满15年，你该这么办！
<section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; color: rgb(62, 62, 62); font-size: 16px; font-family: 微软雅黑; box-sizing: border-box !important;"><section class="" data-tools="135编辑器" data-id="89038" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="padding: 10px; max-width: 100%; box-sizing: border-box;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; box-sizing: border-box !important;"><section class="" style="padding: 40px; max-width: 100%; box-sizing: border-box; background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz_png="" yqvaqozvdibeyxl9knuoxfxwiadnvhqteplu3uic5fuiadwx17uco2vcgiaojpac8kyfvghsxibfribpbex2hp2aalicgw="" 0?wx_fmt="png");" background-attachment:="" initial;="" background-size:="" 100%="" 100%;="" background-origin:="" background-clip:="" background-position:="" 0%="" 0%;="" background-repeat:="" no-repeat;="" word-wrap:="" break-word="" !important;"=""><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 城镇职工养老保险需缴费满15年，退休时才能领取养老金。但是，由于部分参保人员年龄大、参保晚；流动打工、中断缴费等等原因，到达退休年龄后才发现，自己的城镇职工养老保险缴费时间合计不足15年。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 遇到这样的情况，有哪些途径能够领取养老金，应该怎么办？</span></p></section></section></section></section><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"></p></section><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; color: rgb(62, 62, 62); font-size: 16px; font-family: 微软雅黑; box-sizing: border-box !important;"><section class="" data-tools="135编辑器" data-id="88709" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; background-color: rgb(239, 112, 96); background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz_png="" ianq03uuwgmlgb326elpc7btw3ialnibsqk8tnwdkb8ibdb8lf0yjpndcpqfyvrjerftiypp9ghudc55xozhaljmvq="" 0?wx_fmt="png");" background-size:="" 100%;="" background-repeat:="" no-repeat;="" width:="" 50px;="" height:="" 47px;="" box-sizing:="" border-box="" !important;="" word-wrap:="" break-word="" !important;"=""><section style="margin-right: auto; margin-left: auto; max-width: 100%; text-align: center; line-height: 47px; color: rgb(255, 255, 255); box-sizing: border-box !important;"><p style="max-width: 100%; min-height: 1em; border: 0px; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">01</span></p></section></section></section></section><section class="" data-tools="135编辑器" data-id="86265" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><p class="" data-brushtype="text" data-width="100%" style="margin: 10px auto; padding: 10px; max-width: 100%; min-height: 1em; width: 670px; border-top-width: 3px; border-top-style: solid; border-color: rgb(235, 146, 144) rgb(235, 146, 144) rgb(229, 229, 229); border-bottom-width: 1px; border-bottom-style: solid; border-left-width: 0px; line-height: 25px; color: rgb(235, 146, 144); font-weight: bold; text-align: center; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">允许延长缴费至15年</span></p></section><p style="margin-top: 5px; margin-bottom: 5px; max-width: 100%; min-height: 1em; color: rgb(68, 68, 68); font-size: 16.3636px; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 参保人员达到法定退休年龄后，若城镇职工养老保险缴费不足15年，可以按照国家有关规定在待遇领取地延长缴费至满15年（其中社会保险法实施前参保，延长缴费5年后仍不足15年的，可以一次性缴费至满15年）。</span></p><section class="" data-tools="135编辑器" data-id="88709" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; background-color: rgb(239, 112, 96); background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz_png="" ianq03uuwgmlgb326elpc7btw3ialnibsqk8tnwdkb8ibdb8lf0yjpndcpqfyvrjerftiypp9ghudc55xozhaljmvq="" 0?wx_fmt="png");" background-size:="" 100%;="" background-repeat:="" no-repeat;="" width:="" 50px;="" height:="" 47px;="" box-sizing:="" border-box="" !important;="" word-wrap:="" break-word="" !important;"=""><section style="margin-right: auto; margin-left: auto; max-width: 100%; text-align: center; line-height: 47px; color: rgb(255, 255, 255); box-sizing: border-box !important;"><p style="max-width: 100%; min-height: 1em; border: 0px; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">02</span></p></section></section></section></section><section class="" data-tools="135编辑器" data-id="86265" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><p class="" data-brushtype="text" data-width="100%" style="margin: 10px auto; padding: 10px; max-width: 100%; min-height: 1em; width: 670px; border-top-width: 3px; border-top-style: solid; border-color: rgb(235, 146, 144) rgb(235, 146, 144) rgb(229, 229, 229); border-bottom-width: 1px; border-bottom-style: solid; border-left-width: 0px; line-height: 25px; color: rgb(235, 146, 144); font-weight: bold; text-align: center; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">延长缴费未满15年可转入城乡居民养老保险</span></p></section><p style="margin-top: 5px; margin-bottom: 5px; max-width: 100%; min-height: 1em; color: rgb(68, 68, 68); font-size: 16.3636px; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 若延长缴费后其城镇职工养老保险缴费年限仍<span style="max-width: 100%; font-weight: 700; box-sizing: border-box !important;">未满15年</span>，也可以申请从城镇职工养老保险转入城乡居民养老保险，享受相应的养老保险待遇。</span></p><p style="margin-top: 5px; margin-bottom: 5px; max-width: 100%; min-height: 1em; color: rgb(68, 68, 68); font-size: 16.3636px; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"></span></p><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"></p><section class="" data-tools="135编辑器" data-id="88709" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="margin-right: auto; margin-left: auto; max-width: 100%; background-color: rgb(239, 112, 96); background-image: url(" http:="" mmbiz.qpic.cn="" mmbiz_png="" ianq03uuwgmlgb326elpc7btw3ialnibsqk8tnwdkb8ibdb8lf0yjpndcpqfyvrjerftiypp9ghudc55xozhaljmvq="" 0?wx_fmt="png");" background-size:="" 100%;="" background-repeat:="" no-repeat;="" width:="" 50px;="" height:="" 47px;="" box-sizing:="" border-box="" !important;="" word-wrap:="" break-word="" !important;"=""><section style="margin-right: auto; margin-left: auto; max-width: 100%; text-align: center; line-height: 47px; color: rgb(255, 255, 255); box-sizing: border-box !important;"><p style="max-width: 100%; min-height: 1em; border: 0px; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">03</span></p></section></section></section></section><section class="" data-tools="135编辑器" data-id="86265" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><p class="" data-brushtype="text" data-width="100%" style="margin: 10px auto; padding: 10px; max-width: 100%; min-height: 1em; width: 670px; border-top-width: 3px; border-top-style: solid; border-color: rgb(235, 146, 144) rgb(235, 146, 144) rgb(229, 229, 229); border-bottom-width: 1px; border-bottom-style: solid; border-left-width: 0px; line-height: 25px; color: rgb(235, 146, 144); font-weight: bold; text-align: center; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">可书面申请终止职工基本养老保险关系</span></p></section><p style="margin-top: 5px; margin-bottom: 5px; max-width: 100%; min-height: 1em; color: rgb(68, 68, 68); font-size: 16.3636px; line-height: 1.75em; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 个人可以<span style="max-width: 100%; font-weight: 700; box-sizing: border-box !important;">书面申请</span>终止职工基本养老保险关系。社保机构按照程序，经本人书面确认后，终止其职工养老保险关系，并将个人账户储存额<span style="max-width: 100%; font-weight: 700; box-sizing: border-box !important;">一次性支付给本人</span>。</span></p><section class="" data-tools="135编辑器" data-id="85961" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section data-width="80%" style="margin-top: 10px; margin-bottom: 10px; padding-top: 5px; padding-bottom: 5px; padding-left: 10px; max-width: 100%; box-sizing: border-box; float: left; border-top-width: 1px; border-style: solid none solid solid; border-top-color: rgb(172, 29, 16); border-bottom-width: 1px; border-bottom-color: rgb(172, 29, 16); border-left-width: 3px; border-left-color: rgb(172, 29, 16); border-top-left-radius: 10px; border-bottom-left-radius: 10px; display: inline-block; width: 536px;"><section style="margin-right: 5px; padding-top: 6px; max-width: 100%; box-sizing: border-box; float: left; transform: rotate(30deg);"><section style="max-width: 100%; box-sizing: border-box; width: 18px; height: 18px; border: 2px solid rgb(172, 29, 16); border-radius: 50%; float: left;"></section><section style="margin-top: 8px; max-width: 100%; box-sizing: border-box; width: 15px; height: 3px; float: left; color: rgb(255, 255, 255); background-color: rgb(172, 29, 16);"></section></section><section class="" data-brushtype="text" style="padding-top: 3px; max-width: 100%; box-sizing: border-box; color: rgb(102, 102, 102); clear: none;"><strong style="max-width: 100%; box-sizing: border-box !important;">政策原文：《中华人民共和国社会保险法》</strong></section></section><section data-width="20%" style="margin-top: 10px; padding-top: 8px; padding-bottom: 8px; padding-left: 10px; max-width: 100%; box-sizing: border-box; border-width: 0px 3px; border-style: solid; border-color: rgb(172, 29, 16); border-top-right-radius: 10px; border-bottom-right-radius: 10px; display: inline-block; width: 134px; color: rgb(255, 255, 255); text-align: center; background-color: rgb(172, 29, 16);"><span class="" data-brushtype="text" style="max-width: 100%; font-size: 14px; box-sizing: border-box !important;">搜索</span></section></section><section class="" data-tools="135编辑器" data-id="86323" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="margin-top: 0.5em; margin-bottom: 0.5em; padding-right: 0.5em; padding-left: 0.5em; max-width: 100%; box-sizing: border-box; text-align: center;"><section style="max-width: 100%; box-sizing: border-box; transform: rotate(0.1deg);"><br></section><section class="" data-width="90%" style="margin-right: auto; margin-left: auto; padding: 45.7656px; max-width: 100%; box-sizing: border-box; box-shadow: rgb(204, 204, 204) 0.3em 0.3em 0.3em; width: 588.594px; background-color: rgb(239, 239, 239);"><section class="" style="max-width: 100%; box-sizing: border-box !important;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-align: left; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 第十六条</span></strong><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 参加基本养老保险的个人，达到法定退休年龄时累计缴费满十五年的，按月领取基本养老金。</span></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-align: left; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">参加基本养老保险的个人，达到法定退休年龄时累计缴费不足十五年的，可以缴费至满十五年，按月领取基本养老金；也可以转入新型农村社会养老保险或者城镇居民社会养老保险，按照国务院规定享受相应的养老保险待遇。</span></p></section></section></section></section><p style="margin-top: 5px; margin-bottom: 5px; max-width: 100%; min-height: 1em; color: rgb(68, 68, 68); font-size: 16.3636px; line-height: 1.75em; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-align: center; box-sizing: border-box !important;"></p><section class="" data-tools="135编辑器" data-id="85961" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section data-width="80%" style="margin-top: 10px; margin-bottom: 10px; padding-top: 5px; padding-bottom: 5px; padding-left: 10px; max-width: 100%; box-sizing: border-box; float: left; border-top-width: 1px; border-style: solid none solid solid; border-top-color: rgb(172, 29, 16); border-bottom-width: 1px; border-bottom-color: rgb(172, 29, 16); border-left-width: 3px; border-left-color: rgb(172, 29, 16); border-top-left-radius: 10px; border-bottom-left-radius: 10px; display: inline-block; width: 536px;"><section style="margin-right: 5px; padding-top: 6px; max-width: 100%; box-sizing: border-box; float: left; transform: rotate(30deg);"><section style="max-width: 100%; box-sizing: border-box; width: 18px; height: 18px; border: 2px solid rgb(172, 29, 16); border-radius: 50%; float: left;"></section><section style="margin-top: 8px; max-width: 100%; box-sizing: border-box; width: 15px; height: 3px; float: left; color: rgb(255, 255, 255); background-color: rgb(172, 29, 16);"></section></section><section class="" data-brushtype="text" style="padding-top: 3px; max-width: 100%; box-sizing: border-box; color: rgb(102, 102, 102); clear: none;"><strong style="max-width: 100%; box-sizing: border-box !important;">实施《中华人民共和国社会保险法》若干规定</strong></section></section><section data-width="20%" style="margin-top: 10px; padding-top: 8px; padding-bottom: 8px; padding-left: 10px; max-width: 100%; box-sizing: border-box; border-width: 0px 3px; border-style: solid; border-color: rgb(172, 29, 16); border-top-right-radius: 10px; border-bottom-right-radius: 10px; display: inline-block; width: 134px; color: rgb(255, 255, 255); text-align: center; background-color: rgb(172, 29, 16);"><span class="" data-brushtype="text" style="max-width: 100%; font-size: 14px; box-sizing: border-box !important;">搜索</span></section></section><section class="" data-tools="135编辑器" data-id="86323" style="max-width: 100%; box-sizing: border-box; border: 0px none;"><section style="margin-top: 0.5em; margin-bottom: 0.5em; padding-right: 0.5em; padding-left: 0.5em; max-width: 100%; box-sizing: border-box; text-align: center;"><section style="max-width: 100%; box-sizing: border-box; transform: rotate(0.1deg);"><br></section><section class="" data-width="90%" style="margin-right: auto; margin-left: auto; padding: 45.7656px; max-width: 100%; box-sizing: border-box; box-shadow: rgb(204, 204, 204) 0.3em 0.3em 0.3em; width: 588.594px; background-color: rgb(239, 239, 239);"><section class="" style="max-width: 100%; box-sizing: border-box !important;"><p style="max-width: 100%; min-height: 1em; text-align: left; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">第二条</span></strong><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 参加职工基本养老保险的个人达到法定退休年龄时，累计缴费不足十五年的，可以延长缴费至满十五年。社会保险法实施前参保、延长缴费五年后仍不足十五年的，可以一次性缴费至满十五年。</span></p><p style="max-width: 100%; min-height: 1em; text-align: left; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-align: left; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">第三条</span></strong><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;"> 参加职工基本养老保险的个人达到法定退休年龄后，累计缴费不足十五年（含依照第二条规定延长缴费）的，可以申请转入户籍所在地新型农村社会养老保险或者城镇居民社会养老保险，享受相应的养老保险待遇。</span></p><p style="max-width: 100%; min-height: 1em; text-align: left; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">参加职工基本养老保险的个人达到法定退休年龄后，累计缴费不足十五年（含依照第二条规定延长缴费），且未转入新型农村社会养老保险或者城镇居民社会养老保险的，个人可以书面申请终止职工基本养老保险关系。社会保险经办机构收到申请后，应当书面告知其转入新型农村社会养老保险或者城镇居民社会养老保险的权利以及终止职工基本养老保险关系的后果，经本人书面确认后，终止其职工基本养老保险关系，并将个人账户储存额一次性支付给本人。</span></p><p style="max-width: 100%; min-height: 1em; text-align: left; box-sizing: border-box !important;"><br style="max-width: 100%; box-sizing: border-box !important;"></p><p style="max-width: 100%; min-height: 1em; text-align: left; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box !important;"><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">第四条 </span></strong><span style="max-width: 100%; font-size: 18px; box-sizing: border-box !important;">参加职工基本养老保险的个人跨省流动就业，达到法定退休年龄时累计缴费不足十五年的，按照《国务院办公厅关于转发人力资源社会保障部财政部城镇企业职工基本养老保险关系转移接续暂行办法的通知》（国办发〔2009〕66号）有关待遇领取地的规定确定继续缴费地后，按照本规定第二条办理。</span></p></section></section></section></section></section><section data-role="outer" label="Powered by 135editor.com" style="font-size: 16px; max-width: 100%; color: rgb(62, 62, 62); font-family: 微软雅黑; box-sizing: border-box !important;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; box-sizing: border-box !important;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; box-sizing: border-box !important;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; box-sizing: border-box;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; box-sizing: border-box;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; box-sizing: border-box;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; box-sizing: border-box;"><section data-role="outer" label="Powered by 135editor.com" style="max-width: 100%; box-sizing: border-box;"><section class="" label="powered by 135editor.com" style="max-width: 100%; box-sizing: border-box;"><section style="max-width: 100%; box-sizing: border-box;"><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box;"><br></strong></p><p style="max-width: 100%; min-height: 1em; box-sizing: border-box !important;"><strong style="max-width: 100%; box-sizing: border-box;">来源：</strong>人民日报（ID：rmrbwx）、人力资源和社会保障部（ID：rsbzwwx）</p></section></section></section></section></section></section></section></section></section></section><p></p>
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