不养老保险怎么办

在当今社会，养老保险对于每个人的晚年生活保障都至关重要。然而，当面临没有养老保险的情况时，我们应该如何应对呢？

首先，需要明确的是，没有养老保险可能会给未来的生活带来较大的经济压力和不确定性。对于那些没有单位为其缴纳养老保险的个人，如自谋职业人员、托管人事档案的个体工商户等，可以选择个人缴纳养老保险。

个人缴纳养老保险需要准备相关资料，包括身份证复印件两张（验原件）、近期一寸彩色免冠照片一张、城镇居民户口本原件以及《档案委托管理卡》。缴费基数通常是个人所在省份上年度社会平均工资，缴纳比例按照当年相关规定执行，缴费金额为缴费基数乘以缴纳比例再乘以 12。缴费方式一般是持《档案委托管理卡》到人力资源服务中心以现金方式缴纳，缴费时间是当年基数出来后每月 1 - 20 日。

如果单位不给交养老保险，这是违法行为。职工可以去劳动保障行政部门投诉举报，或者去申请劳动仲裁，如果经过仲裁也没有达到维权目的，还可以去法院。

对于养老保险中断的情况，可以选择补交或续交社保。

此外，还有商业养老保险作为补充。商业性养老保险在被保险人交纳一定的保险费后，可以从一定年龄开始领取养老金，帮助被保险人在退休后保持一定的生活水平。但需要注意的是，社会养老保险的主体是国家，国家每年在社会保险中投入大量资金作为补充；而商业保险养老险主体是保险公司，是以盈利为目的的，没有资金作为补充。所以，一般来说参加社会养老保险更划算，如果经济实力雄厚，可以在参加社会养老保险的同时参加商业保险养老险作为补充。

查询养老保险个人账户的方式也有多种。可以到所持有的养老保险卡或者存折所属银行直接查询账户，也可以上网到本人社保缴费的社保中心网页去查询个人社保账户，还可以拨打 12333 的电话号码进行查询。

总之，面对没有养老保险的情况，我们不能坐以待毙，要积极采取措施，通过合法合规的途径为自己的晚年生活提供保障。

What to Do If There Is No Pension Insurance

In today's society, pension insurance is crucial for everyone's security in their later years. However, when faced with the situation of having no pension insurance, how should we deal with it?

Firstly, it needs to be clear that having no pension insurance may bring greater economic pressure and uncertainty to future life. For those individuals who do not have their employers paying pension insurance for them, such as self-employed individuals and individual business owners with entrusted personnel files, they can choose to pay for pension insurance personally .

To pay for pension insurance personally, relevant materials need to be prepared, including two copies of ID card (for verification of the original), one recent one-inch color bareheaded photo, the original urban resident household registration booklet, and the "File Entrustment Management Card" . The payment base is usually the average social salary of the province in the previous year where the individual is located. The payment ratio is implemented in accordance with the relevant regulations of the current year, and the payment amount is the payment base multiplied by the payment ratio and then multiplied by 12 . The payment method is generally to pay in cash at the human resources service center with the "File Entrustment Management Card", and the payment time is from the 1st to the 20th of each month after the base of the current year comes out .

If the employer refuses to pay pension insurance, this is an illegal act. Employees can report and complain to the labor security administrative department or apply for labor arbitration. If the purpose of safeguarding rights is not achieved through arbitration, they can also go to court .

In the case of interruption of pension insurance, one can choose to make up the payment or continue to pay the social insurance .

In addition, there is also commercial pension insurance as a supplement. After the insured pays a certain insurance premium for commercial pension insurance, they can start to receive pensions from a certain age, helping the insured maintain a certain living standard after retirement . However, it should be noted that the main body of social pension insurance is the state, which invests a large amount of funds in social insurance every year as a supplement; while the main body of commercial pension insurance is the insurance company, which is for profit and has no funds as a supplement. Therefore, generally speaking, it is more cost-effective to participate in social pension insurance. If the economic strength is strong, one can participate in commercial pension insurance as a supplement while participating in social pension insurance .

There are also multiple ways to query the personal account of pension insurance. One can directly query the account at the bank where the pension insurance card or passbook is held. One can also log on to the web page of the social security center where the individual pays social security to query the personal social security account. One can also call the phone number 12333 for query .

In conclusion, in the face of the situation of having no pension insurance, we cannot wait idly. We need to take active measures and provide security for our later years through legal and compliant channels.