The principle of paying endowment insurance is to pay more after retirement, pay less and get less. There is no specific standard whether it is cost-effective for individuals to pay temporary workers' pension insurance 1988. Individuals who pay back the old-age insurance 1988 will be fined 1 day 1% according to the payment base of the current year. The sum of the principal and the late payment fee will be very large. If the accumulated payment years of workers, including deemed payment years, are not many, and I have enough economic ability, I suggest to pay them back. If the accumulated payment years of workers, including deemed payment years, are sufficient and the economic burden of workers is not sufficient when they retire, they can choose not to pay them back.