15 immigrants

News from Australian, German and China immigrants:

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Under such circumstances, what about my original social security?

/kloc-What should I do if I move to Hong Kong below 0/5? -You can apply for surrender or retention.

Mr. Zhang, 35, went through the formalities of moving to Hong Kong this year. "I work in Guangzhou 1 1 year, and the social security payment is almost 1 1 year. Now that the whole family is going to Hong Kong, what about social security? Can my personal money be refunded? "

We learned from guangdong provincial department of human resources and social security that according to the relevant regulations, if the insured leaves the country to settle down before retirement, the personal account amount will be returned to the insured, and the pension insurance relationship will be terminated at the same time, but the account can be kept without surrender.

So for Mr. Zhang, will social security be retired? We suggest that it is best not to surrender. "In recent years, we have come into contact with some immigration cases. Some people come back after going abroad, restore their nationality, continue to work in China, and finally retire in China. Once you surrender, the payment period will be accumulated again. In other words, if Mr. Zhang returns to work in Guangzhou in the future, he will have accumulated 15 years after paying for another 4 years, and he can receive a pension when he retires at the age of 60. However, if he surrenders, he will have to pay 15 years. " Therefore, we suggest that if you apply for immigration, if you don't need money urgently, don't surrender.

Can I get a pension in China after paying 15?

If immigrants have paid 15 years at the time of immigration, but leave the country before reaching retirement age, can they come back to apply for retirement and receive a pension at the age of 60?

According to the current policy, when male employees reach 60 years old and female employees reach 50 years old, and the social security contribution reaches 15, they can retire and receive pensions. Social security experts say that at retirement age, even if you have foreign nationality, you can still apply for retirement and receive a pension in China.

Moreover, living abroad, it is not difficult to receive a domestic pension, and there is no need to return to China to receive it. It is reported that when retirees are abroad after retirement, social security agencies can send their monthly pensions to the insured. The annual pension qualification certification can also be certified at the local embassy in China and then sent back to China.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.