The worry of bankruptcy of labor insurance annuities has always been an important topic of concern for all workers, because the annuity payment has caused the amount of labor insurance pension benefits to continue to rise. This research is based on the monthly data of labor insurance income and benefits from 2009 to October 2021. , verify whether there is a bankruptcy problem, and find out how to make the labor insurance annuity sustainable and take care of the elderly economy. It has been verified that the labor insurance fund does have the problem of bankruptcy. It is suggested to gradually increase the ordinary rate, increase the number of months for calculating the average insurance salary of the retirement annuity, and the way that government subsidies can continue and increase year by year.