近段时间，“社保缴满 15 年后能坐等退休吗？”的话题引起了广泛关注。然而，受访专家表示，养老保险缴费满 15 年只是满足了领取养老金的一个必要条件，鼓励参保人员多缴费、长缴费。
养老保险缴费满 15 年后，职工在达到法定退休年龄时，才能办理退休手续。但是，这并不意味着缴满 15 年就可以坐等退休。养老保险是“多缴多得、长缴多得”的制度，缴费满 15 年后，职工还需要根据个人账户余额、基础养老金、过渡性养老金等因素，来计算养老金数额。
因此，参保人员不能仅仅依靠缴满 15 年的条件就认为自己可以坐等退休。为了保障自己的养老金待遇，建议参保人员尽量多缴费、长缴费，以增加个人账户余额和基础养老金等养老金因素，从而提高自己的养老金数额。
英文标题：
Can you retire after paying social security for 15 years?
关键词：social security, pay, 15 years, retire, expert interpretation
新闻内容：
Recently, the topic “Can you retire after paying social security for 15 years?” has attracted widespread attention. However, the 受访 experts say that paying social security for 15 years only meets one of the necessary conditions for receiving retirement benefits, and encourages 参保人员 to pay more and stay in the system longer.
Under the social security system, a pension can be taken when an employee reaches the legal retirement age. However, this does not mean that one can retire just by paying social security for 15 years. Social security is a “more is better, and longer is better” system, and after paying social security for 15 years, an employee’s retirement benefits will be calculated based on factors such as their individual account balance, basic pension, and transition pension.
Therefore, it is important for employees not to rely solely on the condition of paying social security for 15 years and think that they can retire. To ensure their retirement benefits, it is recommended that employees pay as much as possible and stay in the system as long as possible to increase their individual account balance and basic pension.
【来源】https://new.qq.com/rain/a/20231012A07V9R00
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