With the development of the economy, everyone now has money in their pockets, and there are countless people who go abroad to study or retire abroad every year.
So, if I have become a foreign citizen, can I still receive a domestic pension? What should I pay attention to? Let's talk to the neighbors about the pension today!
Can I still receive a pension?
According to the "<社会保险法>Several Provisions": If an individual leaves the country to settle down, his personal account shall be retained, and he shall enjoy the corresponding pension insurance benefits in accordance with the provisions of the state.
Among them, those who have lost their nationality of the People's Republic of China may do so at or after they leave the country.
To put it simply, it can be divided into the following two situations:
(1) The first case
If you change your nationality after retirement, you can still enjoy the corresponding pension treatment and receive a monthly pension. However, 2 conditions must be met at the same time:
(1) Participate in basic endowment insurance and pay for 15 years;
(2) Reach the statutory retirement age and have obtained a pension account.
(2) The second case
If you have changed your nationality before retirement, you can apply in writing to terminate the pension insurance relationship, and you will not be able to continue to participate in the pension insurance, which is an early surrender, and the pension you receive can only be part of the personal account, and the social co-ordination part cannot be received.
It can be seen that the change of nationality will not affect the receipt of pension, but whether you can get the part of the overall account mainly depends on whether you meet the conditions for receiving the pension before changing your nationality.
Frequently Asked Questions
1. Uncle He just went through the retirement procedures not long ago, and his children abroad want to take him to settle abroad and reunite the family. If Uncle He joins a foreign nationality, can he still receive a domestic pension?
The "Provisions on Retirees Permitted to Settle Abroad Can Still Enjoy Retirement Benefits After Becoming Foreign Nationals" clearly states: Retirees who have been allowed to settle abroad may continue to enjoy the state's treatment of retirees who have been allowed to settle abroad after becoming foreign nationals in accordance with the spirit of the Labor Insurance Regulations, which stipulate that "these Regulations shall apply to all workers and employees (including apprentices) working in enterprises that implement labor insurance, regardless of nationality, age, gender, or nationality."
2. Ms. Pan, 48 years old, has been paying social security for employees for 16 years, resigned last month, and is going through the procedures for immigrating abroad in the past few days. So can Ms. Pan still receive her pension?
When Ms. Pan immigrated, although she had paid pension insurance for 15 years, she still had a legal retirement age, which belonged to the situation of changing her nationality before retirement, and she could not enjoy the domestic pension treatment!
What are the precautions?
(1) Change of nationality after going through the formalities for retirement
Of the monthly pension insurance premiums, 14% of the pension insurance paid by the unit accounts for the majority. If you change your nationality before retirement, you can only receive 8% of the pension money from your personal account. And the pension will be raised every year, so it's a loss.
(2) Pension qualification certification is carried out every year
The pension qualification certification is mainly to prevent others from fraudulently claiming our pension money, so remember to carry out the qualification certification once a year!
If you want to know more about social security, retirement and other knowledge, welcome to pay attention!