What about domestic pension funds after immigrating to Canada?

First, how to deal with the pension and provident fund after naturalization

If you are naturalized and have a Canadian passport, you can't take out your pension and provident fund at one time. Since the domestic pension and provident fund are linked to the household registration (that is, ID card), you have to go to the police station where the household registration is located to cancel before you can handle the pension and provident fund.

1, provident fund

(1) provident fund card

At present, domestic companies will handle provident fund cards for employees after handling provident fund accounts for them. This card is used to check whether they pay fees or cancel their accounts. Therefore, if you have never applied for a provident fund card before you immigrate to Canada, you must go to the provident fund management center to get a form "Personal Application Form for Housing Provident Fund Card (Change Card)", and then take this form to the original unit (that is, the unit that paid the provident fund for yourself for the last time) and stamp it. After stamping, I took this application form to the provident fund management center to apply for a provident fund card. At the same time, I must bring the original and photocopy of my Canadian passport, the original and photocopy of my account cancellation certificate, and the photocopy of my ID card or China passport (because I need to hand in my ID card for account cancellation, the window staff needs to explain if they want the original ID card. I suggest you make more copies before handing in your ID card. I need a copy of my ID card or China passport because although I have a Canadian passport to prove my identity, the provident fund management center also needs an ID card to prove that I am the person on the Canadian passport. If you don't have an ID card, a China passport will do. )

After reading these materials, the staff will apply for a provident fund card, and it will take more than ten working days to get this card, and then they can use this card to cancel their accounts.

(2) Cancel the provident fund account

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

2. Pension and medical insurance

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 Canadian passport, the original and photocopy of the account cancellation certificate, and 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 formalities with the original documents that prove the termination of the contract with the original unit. Even if all the money in the medical insurance card has been spent 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 apply for the termination certificate of the original company, you must pay all the unpaid medical insurance before the account cancellation time, and then you can cancel the account (for example, 200/kloc-0 immigrated to Canada, 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 accounts is a prerequisite. Then take the original and photocopy of Canadian passport, the original and photocopy of cancellation certificate, the photocopy of ID card and employee pension handbook, print out the details of individual account payment in the pension insurance center, then go to the personnel department of the original unit to ask the person in charge of pension insurance to open a special receipt for 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 the account to the original unit account at one time, and I will go to the original unit to get the money.

After completing the above cancellation procedures, I will no longer enjoy China's housing provident fund system and pension system.

Two, how to deal with the naturalization of pension and provident fund (maple leaf card)

1. If you want to withdraw the pension and provident fund at one time, you must have a certificate of account cancellation, so you must consider whether you need to cancel your account before becoming a naturalized citizen.

2. If you are not naturalized and your account has not been cancelled, you still hold a China passport. Before reaching the statutory retirement age, those who have not obtained the nationality of the country of residence and settled abroad will continue to retain their basic old-age insurance relationship, and will be handled in accordance with relevant regulations when the employees meet the retirement conditions.

3. China's Ministry of Foreign Affairs, Ministry of Finance, Ministry of Personnel, Ministry of Labor and Social Security and other four ministries jointly issued a notice, starting from April 1 2007, to substantially reform the residence certificate system for retirees who have settled abroad for many years.

It is understood that with the continuous expansion of China's foreign exchanges, more and more retired and resigned people have settled overseas. As the retirement expenses, retirement living expenses or pensions of the above-mentioned personnel are still paid by domestic departments, the parties concerned need to issue "living certificates" to Chinese embassies and consulates abroad on a regular basis and provide them to relevant domestic departments to receive pensions, retirement living expenses and pensions.

From April 1 year, overseas retirees will go to Chinese embassies and consulates abroad to apply for health certificates for receiving pensions in China, and the embassies and consulates will issue a Confirmation Form for Retired Persons Settled Abroad to replace the original Health Notarization. The advantage of the new method is that retirees can get health certificates on the day they go to the embassy or consulate, and they are also allowed to entrust, and all procedures are handled free of charge. Under the framework of unified national laws and regulations, the detailed rules for implementation in different places are slightly different, and here they are more general:

1. What should I do with my personal account if the social medical insurance object changes jobs or settles abroad?

When the work of the insured object changes, the unit to which it belongs shall carry relevant certificates and employee medical and social insurance manuals to the local medical insurance agency for personal account transfer procedures. If the social insurance premium is unpaid or missed, it shall be paid by the original unit, otherwise it shall be paid by the receiving unit. If the insured person has settled abroad and there is a balance in his personal account, the general practice in various places is to send it to him at one time, and the required information is the same as above.

2. Employees of returned overseas Chinese and their relatives who have participated in the basic old-age insurance, but fail to meet the old-age conditions stipulated by the state and relevant cities, will be returned to themselves in one lump sum with the immigrant visa approved by the country of residence after being allowed to leave the country for settlement. At the same time, terminate the old-age insurance relationship with social insurance agencies, and no longer enjoy the basic old-age insurance benefits (but in some places, it is stipulated that surrender can only be made after naturalization in other countries).

3. Statutory retirement age

Refers to the retirement age stipulated in 1978, which was adopted in principle at the second meeting of the Standing Committee of the Fifth NPC on May 24th, and the Interim Measures of the State Council on Resettlement of Old, Weak, Sick and Disabled Cadres and the Interim Measures of the State Council on Retirement and Resignation of Workers (Guo Fa [1978] 104), and it is still valid today. Resolutely handling the retirement and resignation of employees according to the national legal retirement age is the fundamental guarantee for safeguarding the legitimate rights and interests of employees and their labor rights. The Notice of the General Office of the State Council on Further Improving the Basic Living Security for Laid-off Workers of State-owned Enterprises and Pensions for Enterprise Retirees (Guo Ban Fa [1999] 10) reiterated the provisions of Guo Fa [1978] 104.

In order to implement the document of General Office of the State Council 10, the Ministry of Labor and Social Security issued the Notice on Stopping and Correcting Issues Related to Handling Early Retirement of Enterprise Employees in Violation of State Regulations on March 9, 1999 (No.8 issued by the Ministry of Labor and Social Security [1999]), which pointed out that the legal retirement age of enterprise employees in China is 60 for men and 50 for women. Engaged in underground, high temperature, high altitude, especially heavy manual labor or other jobs harmful to health, the retirement age is 55 years old for men and 45 years old for women, disabled by illness or non-work-related injuries, and completely incapacitated by the hospital appraisal and confirmed by the labor appraisal committee, the retirement age is 50 years old for men and 45 years old for women.

According to the relevant provisions of the state, the scope of early retirement is limited to "optimizing capital structure" determined by the State Council1kloc-0/employees in state-owned bankrupt industrial enterprises in pilot cities who are less than five years away from the statutory retirement age and qualified parking workers in state-owned textile enterprises who have the task of pressing spindles within three years. However, this provision and the preceding paragraph cannot be applied to the same employee at the same time.

In violation of the above provisions, it is illegal to handle early retirement and resignation for employees, and must be corrected immediately. In the future, enterprises that handle early retirement or resignation for employees in violation of state regulations shall be held accountable for the responsibilities of relevant leaders and parties, and those who have handled early retirement or resignation shall be returned to the enterprises.

4. Retirement benefits for overseas settlers

(1) Returned overseas Chinese and their relatives who have participated in the basic old-age insurance and meet the conditions for receiving the basic old-age insurance can continue to receive the basic old-age pension after they leave the country to settle down.

(2) Overseas retirees enjoy the same treatment as domestic retirees.

(3) Method of receiving pensions for people who have settled abroad: receiving pensions through domestic relatives; I entrust banks and post offices to handle international transfer business for them.

(4) In order to ensure that pensions are distributed to individuals, retirees who have settled abroad should provide a residence certificate issued by China's embassy or consulate in that country to the social insurance agency responsible for their basic pensions once a year, and the country that has not established diplomatic relations with China will be issued with a certificate by the local notary office.

Note: "Overseas retirees enjoy the same treatment at home" here means:

(1) refers to people who retire and settle overseas.

(2) It also refers to overseas settlers who have moved overseas and retired before naturalization.