It is very common to change jobs at work, but many people are confused about the conversion and continuation of social security when changing jobs. Especially when changing jobs across provinces and places, many people even subjectively give up the social security they had previously insured.
So, if you change jobs across provinces and places after leaving your job, is the social security pension insurance you bought before still useful?
(Note: The pension insurance referred to below is the pension insurance for urban employees, including those who participate in the insurance as flexible employees.) ）
Of course, it is useful, because whether it is a local or inter-provincial job, the payment period of pension insurance can be cumulative. Moreover, whether it is from an enterprise employee to a flexible employee, or a flexible employee to an enterprise employee, the pension insurance payment period can also be accumulated.
Therefore, we don't need to worry about the impact of changing jobs on pension insurance contributions, and we should also pay attention to the continuation of pension insurance when changing jobs. Now it is very convenient to transfer and continue to handle the pension insurance, and the HR in the enterprise will help you deal with it, and you can also handle it through the Internet, which is very simple.
However, there are two points that need special attention to the handling of pension insurance for inter-provincial job changes.
1. If I have paid pension insurance in more than one province, where should I retire?
Principle: the place of household registration is preferred, the longest, and the last is calculated.
The specific meaning is as follows:
When the cumulative contribution period is not less than 15 years and the statutory retirement age is reached,
A. If the place of pension insurance is the place of household registration, then you can retire at the place of household registration and receive a pension.
B. If the place of pension insurance is not the place of household registration, then:
a. Retire and receive a pension in the place where the cumulative payment period reaches 10 years.
B. The cumulative payment period in many places has reached 10 years, and the retirement is handled in the last insured place where the cumulative payment period reaches 10 years.
c. If there is no place where the cumulative payment period reaches 10 years, you will return to the place of household registration to handle retirement and receive a pension.
2. Is it necessary to apply for pension insurance transfer?
When you have paid pension insurance in multiple cities, although you can handle the transfer of social security, sometimes it is not necessarily necessary to handle the transfer.
Why?
For example, if you pay social security in Shanghai for 10 years, then change jobs and go to Chengdu, you may go to other cities in the future. In fact, it is not necessarily necessary, because Shanghai's average salary is higher than Chengdu's, and the pension standard is higher than Chengdu's.
Since the payment period will be accumulated regardless of whether the pension insurance is transferred or not, it is necessary to consider whether to transfer it. It is suggested that if the conditions are met, priority can be given to retirement in cities with better economic development and higher average wages, and even if you do not live there after retirement, it will not affect pension collection.
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