我是外地农村户口，在北京上五险，如果我累计不够15年在北京，那我的保险是不是就是白缴纳了。没有用呢。因 外地户口在北京上保险不够15年但已达到退休年龄
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退休时候可以清算，或者你辞职时候可以到社保办理保险异地转移，转到你要去的地方。
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