In China, the retirement age is usually 60 for men and 55 for women. According to state regulations, if you are dismissed by the company before the retirement age and do not meet the 15-year contribution requirement, you can apply for unemployment insurance benefits. Unemployment insurance money is a kind of welfare guarantee provided by the state, which aims to help the unemployed maintain their basic livelihood and provide certain economic compensation.
According to the Unemployment Insurance Regulations, the conditions for applying for unemployment insurance benefits include: dismissal, dismissal, or contract expiration without renewal, etc. If you want to apply for unemployment insurance benefits, you need to meet the following conditions:
1. Participate in unemployment insurance and pay unemployment insurance premiums for one consecutive year;
2. Actually unemployed or dismissed by the company, and registered as unemployed at the employment service agency immediately after the termination of the labor contract;
3. Have at least one year of accumulated service in the two years prior to unemployment.
Based on the information you provide, you have reached retirement age, but you have not met the 15-year contribution requirement. According to the regulations, if you are laid off by the company before the retirement age, you are still eligible to apply for unemployment insurance benefits. In this case, you need to meet the three conditions mentioned above.
First, you need to confirm that you are covered by unemployment insurance and have paid unemployment insurance premiums for one year. If you meet this condition, you can register your unemployment with the Employment Service in order to start applying for unemployment insurance benefits.
Second, you need to have at least one year of cumulative service within two years of becoming unemployed. That is, you need to prove that you have one year of work history within the last two years.
Finally, you need to submit relevant materials and application materials, including employment contracts, pay stubs, proof of identity, etc. These documents will serve as the basis for your application for unemployment insurance benefits.
It is important to note that the exact amount of unemployment insurance benefits is determined based on factors such as the level of your past salary and the premiums you have paid. In general, unemployment insurance benefits are paid for a maximum period of 24 months.
In summary, even if you have reached retirement age and do not meet the 15-year contribution requirement, you can still apply for unemployment insurance benefits if you are laid off by the company, provided that the relevant conditions are met. It is recommended that you contact your local employment service in a timely manner to find out the specific application procedures and requirements.