After working for most of my life, I finally have to wait for retirement, but my pension insurance is a temporary account, how to handle retirement? Is there a time limit? What should I do if I have reached the statutory retirement age and the number of years is not enough?
Today, I have compiled an issue of content answers, and the neighbors who care about these problems should hurry up and see how to deal with it~
What is a Temporary Account?
"Temporary Account" refers to the Temporary Basic Pension Insurance Contribution Account.
According to the relevant regulations, since January 1, 2010 (inclusive), men over the age of 50 and women over the age of 40 to work in other provinces to participate in the insurance, it is necessary to establish a temporary basic pension insurance payment account in the new place to record all the contributions of units and individuals.
To put it simply, after reaching a certain age, a temporary account will be established for the first time in a place of non-domicile.
You can judge according to your age when you first enroll in insurance across provinces, or check the nature of your pension insurance account with the social security bureau of the place where you are insured.
How to retire with a temporary account?
When Aunt Li was 42 years old, she was introduced by her hometown Hunan to a housekeeping company in Guangzhou from her hometown Hunan to work as a housekeeping attendant, and paid social security normally, and she was almost 50 years old in one month. But I only have this temporary pension insurance account, how to retire? Is there a time limit?
Answer: In accordance with the relevant regulations, when the conditions for receiving benefits are met in the new insured place, all the principal and interest paid in the temporary account will be transferred to the original insured place or the place where the benefits are received. And the temporary pension insurance relationship will be collected by the place where the basic pension insurance relationship is received. If there is only a temporary pension insurance relationship, the place of household registration shall be responsible for collecting and handling the receipt of benefits.
In other words, Aunt Li needs to go back to her hometown to go through the retirement procedures; Or choose to move your account to Guangzhou, change your temporary account into a general account, and retire in Guangzhou.
There is no limit on the excess time for retirement procedures, but it is recommended that you handle it in time, otherwise you will receive a few months less pension if you delay it for a few months due to personal reasons!
What should I do if I don't have enough years?
So what should I do if Aunt Li retires at the age of 50 and the pension insurance payment period is not enough for 15 years?
A: It can be handled in the following two ways.
(1) Choose to extend the payment. If Aunt Li has more money, she can continue to defer the monthly payment of employee pension insurance as a flexible employee until 15 years; or if you have extended your payment for 5 years and still do not meet the 15-year requirement, you can choose to pay a lump sum to 15 years.
(2) Transfer to urban and rural residents' pension insurance. If Aunt Li's economic situation is tight, she can apply for the endowment insurance for urban and rural residents transferred to the place of household registration, and after selecting the corresponding payment grade, she will pay annually for 15 years and enjoy the corresponding endowment insurance treatment.
If you still want to know more about social security, retirement and other knowledge, welcome to pay attention!