01
How much pension can I receive after retirement?
Article 15 of the Social Insurance Law of the People's Republic of China stipulates that the basic pension consists of a pooled pension and a personal account pension. The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.
According to the above provisions, it can be seen that the amount of pension that can be received is closely related to factors such as factors.
So how is it calculated? Policies vary slightly from place to place, taking Fuzhou, Chengdu and Hangzhou as examples:
(Swipe left and right to view the picture)
The above picture was made by the WeChat public account of Yi Ren
Reminder: The transitional pension is only available to those who are insured in the early stage, and the regulations are different in various places, so you can consult the 12333 in the place of insurance.
As can be seen from the formula, the pension follows the principle of paying more and paying more for a long time!
The longer the cumulative payment time, the more basic pension and personal account pension; The higher the level of contributions, the later the retirement time, the more personal account pensions will be!
raise
awake
As early as the end of 2019, the Ministry of Human Resources and Social Security opened a pension calculation service through the national social insurance public service platform, which can be calculated by itself.
Poke the picture→ open the web page→ enter the corresponding parameters, and you can estimate your pension.
✦✦
02
What should employees pay attention to when retiring?
01
Statutory retirement age for employees
According to national regulations, retirement includes normal retirement, early retirement, etc., and is different and different. For details, you can directly refer to the following table:
▲ Click image for full size
(The content of the form is stipulated by the state, and the specific policy is subject to local policies)
02
Can I get a pension after retirement?
According to Article 16 of the Social Insurance Law of the People's Republic of China, employees want to receive a pension.
❶ Reach the statutory retirement age
❷ Pension insurance has been paid for 15 years
3
How to choose a place to retire?
Letters of the law
Swipe up to read
According to Article 6 of the Notice of the General Office of the State Council on Forwarding the Interim Measures for the Transfer and Continuation of the Basic Pension Insurance Relationship between the Ministry of Human Resources and Social Security and the Ministry of Finance of Urban Enterprises (Guo Ban Fa [2009] No. 66), the insured persons who have migrated across provinces for employment shall determine the place of receipt of benefits according to the following provisions when they meet the conditions for receiving benefits:
▶ The basic pension insurance relationship is in the place of household registration
If the basic endowment insurance relationship is in the place of household registration, the place of household registration shall be responsible for handling the procedures for receiving benefits and enjoying the basic endowment insurance benefits.
▶ The basic pension insurance relationship is not in the place of household registration
❶ If the basic endowment insurance relationship is not in the place of household registration, but the cumulative payment period in the place where the basic endowment insurance relationship is located is more than 10 years, go through the procedures for receiving benefits in the place and enjoy the local basic endowment insurance benefits.
❷ If the basic endowment insurance relationship is not in the place of household registration, and the cumulative payment period in the place where the basic endowment insurance relationship is located is less than 10 years, the basic endowment insurance relationship shall be transferred back to the original place where the previous payment period has been 10 years to go through the procedures for receiving benefits and enjoy the basic endowment insurance benefits.
❸ If the basic endowment insurance relationship is not in the place of household registration, and the cumulative payment period in each insured place is less than 10 years, the basic endowment insurance relationship and the corresponding funds shall be collected in the place of household registration, and the place of household registration shall go through the procedures for receiving benefits according to the regulations and enjoy the basic endowment insurance benefits.
According to the regulations, where employees retire and receive retirement benefits mainly depends on whether the pension insurance relationship is currently in the province where the household registration is located:
minute
divide
❶ If you are in the province of household registration, no matter how long you have been participating in the insurance and paying premiums, you will retire in the province where you are registered;
❷ If you are not in the province where your household registration is located, and you have multiple relationships for more than 10 years, you are the place of retirement;
❸ If you are not in the province where your household registration is located, and you are insured and paid in various places, it is a place of retirement.
4
How do I retire?
In the month when the employee reaches the statutory retirement age, the enterprise shall pay the social security premium for the employee for the current month and go through the procedures for the employee to suspend the insurance.
After the insurance is suspended, the enterprise can apply for retirement at the social security center on behalf of the employee or by the employee himself with the retirement materials.
The materials required for retirement are slightly different from place to place, and Chengdu is an example for you to analyze.
Documents required for retirement in Chengdu
(1) "Application Form for Basic Pension Benefits for Employees of Enterprises in Sichuan Province" (the form can be downloaded from the "Sichuan Human Resources and Social Security Online Public Service Platform→ Notice and Announcement →Application Form for Social Insurance Business in Sichuan Province").
(2) Valid ID card of the insured.
(3) Personnel files of the insured (no need to provide them if the same payment period is ignored).
(4) Materials for additional issuance projects (no related additional issuance projects do not need to be provided).
Swipe up to read
#增发项目材料
❶ If you have no children for life or are orphaned and widowed for life, fill in the application for retirement of the basic pension insurance for employees of the enterprise (the lifelong childless and widowed insured persons apply for additional pension);
❷ If you are an only child, you must provide a certificate of honor for the parents of the only child;
❸ Before December 31, 1995 won the title of national and provincial model worker and has maintained the honor, provide the corresponding certificate;
❹ For senior professional and technical personnel, senior political engineers and senior technicians, the senior professional and technical title qualification certificate, senior political engineer qualification certificate, senior technician qualification certificate issued by the relevant provincial departments or relevant national ministries and commissions and the head office shall be provided with the employment certificate and employment notice issued by the enterprise before retirement;
❺ Those who have won the National Natural Science Award and Invention Award, the Provincial Science and Technology Achievement Award and the National Science and Technology Progress Award before retirement shall provide the corresponding award certificate;
❻ Personnel files shall be provided for employees who have worked in Tibet and Ganzi Prefecture and Aba Prefecture in Sichuan Province at an altitude of more than 3,500 meters above sea level or served in the army for a total of 10 years or more.
(5) If a female employee under the age of 55 has a unit contribution within 24 months before meeting the conditions for receiving the basic pension, she shall provide a labor contract indicating the position during the payment period of the unit.
(6) Some retired military personnel (nine categories of personnel) need to provide the identification materials issued by the competent department of retired soldiers.
✦✦
3
What should I do if the social security payment period is less than 15 years?
So what should I do if I reach retirement age and my employee has not paid social security for 15 years?
There are three ways to deal with it:
01
Extension of contributions to 15 years
When the insured person reaches the retirement age, the employee pension insurance payment is less than 15 years, and the payment can be extended to 15 years in the place where the benefit is received in accordance with the relevant provisions of the state.
02
Transferred to the pension insurance for urban and rural residents
Insured persons can apply for transfer from employee pension insurance to urban and rural residents' pension insurance, and enjoy urban and rural residents' pension.
►Warm reminder: Resident pensions are much lower than employee pensions, including pension adjustments, so we must be cautious in making this decision!
3
Surrender
If it has not been transferred to the pension insurance for urban and rural residents, the individual may apply in writing to terminate the employee pension insurance relationship. In accordance with the procedures, the social security agency shall terminate the employee's pension insurance relationship and pay the deposit amount in the personal account to the person in a lump sum after confirmation by the person.
Surrender is an "extreme" approach, because you can only take out the part of the individual contribution, and you can't receive a pension, and you can't enjoy any pension treatment, which is a choice that "outweighs the loss".
Source: Ministry of Human Resources and Social Security website, Fuzhou Human Resources and Social Security, Chengdu Human Resources and Social Security, Hangzhou Human Resources and Social Security, National Social Insurance Public Service Platform, Yi Personnel, etc