With the passage of time, more and more people have ushered in the ** period of old age - retirement. However, are we really prepared enough for this "long holiday" that is coming?Especially for the middle-aged and elderly people who have been running around in different cities and paying pension insurance in many places for many years, how to choose an optimal place to retire in order to enjoy reasonable pension treatment has undoubtedly become an important account.
Xinhua News Agency has reported that among China's six major regions, the average level of pension payment in eastern coastal cities is 2,716 yuan per month, the highest in the country. Similarly, in other large cities such as Beijing, Shanghai, Guangzhou and other places, the amount of pension payment is relatively high.
Therefore, many people will think,Is it possible to choose to retire in these places with high pensions and thus get better treatment?
We should understand this issue from the level of national policy.
According to the Notice of the General Office of the Ministry of Human Resources and Social Security on the Interim Measures for the Transfer and Continuation of the Basic Pension Insurance Relationship for Employees of Urban Enterprises of the Ministry of Human Resources and Social Security and the Ministry of Finance (Guo Ban Fa [2009] No. 66), when the insured persons of inter-provincial mobile employment meet the conditions for receiving benefits, there are clear provisions to determine the place where they receive benefits.
There are rules for receiving benefits
First of all, ifThe basic pension insurance relationship is in the place of household registration, the place of household registration is responsible for handling the procedures for receiving benefits, and enjoy the basic pension insurance benefits. This is the most intuitive situation, and it is the initial presupposition for most people to consult about social security.
Secondly, ifThe basic pension insurance relationship is not in the place of household registrationIf the cumulative payment period in the place where the basic pension insurance relationship is located is more than 10 years, then you can go through the procedures for receiving benefits in the place and enjoy the local basic pension insurance benefits.
This also means that even if you do not live and work in the place where you are registeredAs long as you have paid social security in a new city for 10 years, you can enjoy retirement benefits in this city.
However, if your basic pension insurance relationship is not in the place of household registration, and the cumulative payment period in the place where the basic pension insurance relationship is located is less than 10 years, then you need to transfer the basic pension insurance relationship back to the original place where the previous payment period has been 10 years or more to go through the procedures for receiving benefits and enjoy the basic pension insurance benefits.
In fact, this clause is very important for many people who work across provinces and places, and it ensures that pension insurance not only needs to consider the number of years of payment, but also needs to consider stability.
So what should I pay attention to when it comes to social security transfers?
What you need to know about Social Security transfers
On the issue of social security transfer, there is a noteworthy misunderstanding.
Many people think that if you change your job, you must immediately transfer your social security. Actually, it's not. Sometimes, a rush to transfer social security is a "trap".
For example, let's say you areWomen over 40 years of age or men over 50 years of ageThen youSocial security accounts opened in the new city will be temporary onlyAnd when you reach retirement age, you can't get your pension there.
Moreover, the pension treatment in big cities is definitely much higher than that in small cities, and if you want to have retirement qualifications in big cities, if you do not have a local hukou, you must have a local ordinary account.
Therefore, it is not necessary to transfer social security immediately every time you change cities, especiallyFor older workers, caution is required.
The fast pace of modern urban life makes us change frequently when choosing where to work and live, and it is inevitable that we will pay social security in two places or even more places
Combined with the above policy analysis, it is obviously not a difficult problem on this issue.
We want to choose to retire in a place with high pension benefits, but this requires us to plan in advance, understand the social security policy, and make a choice according to our actual situation.
And for thosePeople who have already paid social security in many places need to pay special attention to how to transfer social security reasonably.
There's no need to rush to transfer your Social Security account if you don't have an urgent need to comply with the rules of your new employer or social security department, and retirement is not yet approaching.
Even if you decide that you will settle down in another city in the future, your social security account will not be cancelled because you cannot move to that area immediately, and the original social security institution will only seal your social security account, as long as the transfer and consolidation are completed before you retire.
Similarly, after women reach the age of 40 and men reach the age of 50, because the transfer of social security may involve the choice of the place where the pension is issued, it is necessaryBe cautious and do not transfer social security casually.
The transfer of social security has become more convenient
In recent years, the relevant departments of the state have provided us with convenient and fast operation methods for social security transfer.
In 2010, the Ministry of Human Resources and Social Security began to establish an inter-regional collaborative social security relationship transfer systemBy the end of 2019, the national social insurance public service platform opened a unified entrance to the national service for the transfer of social insurance relationsAt present, the main support is the transfer of the basic pension insurance relationship of enterprise employees.
The transfer operation has also become extremely simple, and individuals can log in to the national social insurance public service platform and the human resources and social security government service platform through a computer or mobile phone. The specific steps can be roughly summarized as "three steps":
First, "Select Region".Check whether the online application service has been activated for your new place of employment
Secondly, "handle the transfer".Fill in the relevant information of the transfer application and submit the application after being authenticated by the real person with facial recognition
Eventually, "Query Progress,"Check the outcome of the transfer request and the subsequent transfer steps.
One more key tipYes, if you don't have an electronic social security card, you can get it before you do it.
Write at the end
Social security pension is related to the old age life of individuals, and we need itPlan wisely and choose wisely before you retire. In addition, the policy may change at any time, so it is important to contact your local social security department before making a social security transferLearn about the latest policiesAnd make an informed choice based on the actual situation of the individual.
Retirement is another starting point in our lives. Everyone wants to be treated fairly and with dignity at this starting point.
Therefore, for the issue of social security, we cannot take it lightly and needPlan ahead and choose wisely. Let's make wise choices for our old age and draw a perfect end to a good old age.