What should I do after retirement when I participate in medical insurance in another place? Zhihu

It is very common for modern people to go out to work. Basically, the migrant population in my country’s first-tier cities is the majority. Therefore, when the migrant population in first-tier cities is large, it is necessary to participate in insurance in other places. A very common thing. Many people choose to pay social security in the city where they work. The reason for this is that firstly, the workplace is here, and secondly, generally speaking, the economy of the city where you choose to work should be good, so the pension you get will naturally be higher than in other cities. . So what are the problems when enrolling in insurance in a different place? There are three points to pay attention to. 1. After enrolling in insurance in your place of residence, and then enrolling in insurance in a different place, and then choosing to retire in your place of residence, how to calculate the work payment index. Under normal circumstances, after the insured participates in the insurance, the calculated social security contribution wage index is calculated based on the local social average wage. Therefore, when you participate in insurance in your place of residence, the contribution wage index for receiving pensions is calculated based on the social average wage in your place of residence. In the same way, after enrolling in insurance in another place, the calculation will be based on the average social salary in the other place. 2. The insured person first participated in the insurance in the household registration zone for 10 years, and then participated in the insurance in another place for 10 years. Where should the insured person choose to retire? There are three solutions: 1. The insured person You can transfer the social security fees paid in another place to your place of residence and merge them, and directly combine the social security payments in other places and places of residence. 2. The insured can choose whether to retire in the place of residence or in another place. my country's current social security policy stipulates that insured persons who have paid contributions in another place for 10 years can choose to retire in another place and receive pensions. But there is another point that needs to be noted. If the payment time in both places is 10 years or more, retirement will generally be done in the last insured place where the payment time is 10 years or more by default. 3. After the nationwide coordination of social security in 2022, if the household registration restrictions can be broken, insured persons may choose to retire in any insured place. 3. Social security is divided into temporary accounts and general accounts. What are the specific differences? Temporary accounts are divided into the following situations: accounts where the insured is not insured in the place of residence are temporary accounts; accounts insured for the first time in a different place The insured is a temporary account if the male is over 50 years old and the female is under 40 years old. General accounts are divided into the following situations: insured in the place of registered residence; insured in a different place but the male is under 50 years old and the female is over 40 years old; the insured person has changed the registered place of residence and transferred the registered residence to the insured place. Temporary accounts can be converted into general accounts. In addition, if the insured cannot convert the temporary account into a general account, the payment amount and payment period in the temporary account can be transferred to the place of residence for retirement.