What should immigrant social security do?

If you want to immigrate, how to apply for social security can be mainly divided into the following three situations:

1. Paid 15 years and retired:

In this case, the insured can continue to receive the pension. After all, domestic pensions do not need to be collected in China, and social security institutions will remit pensions to the insured on a monthly basis.

2. Paid 15 years but not reached retirement age:

It does not affect the insured's emigration before reaching retirement age. When the insured reaches retirement age, they can apply for retirement and go home to receive a pension. Because at present, China's pension insurance policy does not restrict nationality in terms of pension benefits. And even if the insured is not in China, it can be collected.

3. Incomplete 15 years:

If the social security of the insured has not been paid for 15 years, the insured can no longer pay social security, so the insured can only wait until he reaches retirement age before returning to China to withdraw the funds originally deposited in his personal account. As for the part paid by the unit and the part coordinated by the state, there is no way to take it out.

Account cancellation procedure:

In China, pension and medical insurance are collectively referred to as social security (generally working in one building). Therefore, if you want to take out all the pensions, you must first go through the cancellation procedures of medical insurance.

(1) medical insurance account cancellation

If you want to cancel the medical insurance account (that is, take out the money in the medical insurance at one time), you must have the original and photocopy of the passport of the immigrant country and the original and photocopy of the cancellation certificate, as well as the certificate of termination of the contract of the original unit. If not, you have to take the basic medical insurance reduction personnel roster to the medical insurance center, and go through the relevant procedures with the original certificate to prove that you have terminated the contract with the original unit. Even if you have spent all the money in the medical insurance card before going abroad, you must cancel the medical insurance account if you want to withdraw the money from the old-age insurance at one time. If you can't get the certificate of cancellation of the original company, you must pay all the unpaid medical insurance before the time of account cancellation, and then you can cancel the account (for example, 200 1 immigrated to China, and the account was cancelled in 2005, and all the medical insurance from 200/kloc-0 to 2005 should be paid).

(2) Pension cancellation

Cancellation of medical insurance is a prerequisite. Then take the original and photocopy of the passport of the immigrant country, the original and photocopy of the cancellation certificate, the photocopy of the ID card and the employee's pension manual, print out the payment details of the individual account in the pension insurance center, then go to the personnel department of the original unit to ask the person in charge of the pension insurance to open a special receipt for the social security fund and affix the official seal of the unit, and then take all the materials to the pension insurance center for review. Finally, the endowment insurance center will transfer the money in your account to the original unit account at one time, and then you will go to the original unit to collect the money.

(3) cancellation of provident fund account

When closing the account, in addition to the provident fund card, you should also bring the original and photocopy of the passport of the country of immigration, the original and photocopy of the account cancellation certificate, the photocopy of your ID card or the photocopy of your China passport. After the final approval of the provident fund management center, they will close your account and take out all the provident fund in your account.

After completing the above procedures, you will no longer enjoy the domestic five insurance and one gold system.

legal ground

People's Republic of China (PRC) social insurance law

Article 19

If an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred with him, and the payment period will be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is divided into fourteenth.

Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Article 32

If an individual is employed across the overall planning area, his basic medical insurance relationship will be transferred accordingly, and the payment period will be calculated cumulatively.

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.