Hello, I am also an immigrant from Hong Kong. I have worked in Guangzhou for 15 years, which is enough for retirement. I heard that you can also get social security, do you know?

Many people who immigrate to Hong Kong are very concerned: after immigrating to Hong Kong, social security has not been paid 15 years. What should I do? After paying 15 years, how can I get a pension in the future? What should I do with my surrender? Will the provident fund be refunded?

1, insufficient payment 15 years, I have emigrated. What should I do? -You can apply for surrender or retention.

Take Mr. Zhang as an example: 35-year-old Mr. Zhang went through the formalities of moving to Hong Kong this year. I worked in Guangzhou 1 1 year, and my social security payment was almost 1 1 year. 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 the fee for 4 years, and he will be able to 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.

2. Can I get a pension in China after paying 15 years? -You can retire in China and take money to live abroad.

After the social security payment reaches 15 years, you can apply for retirement and receive a pension. At retirement age, even if you have the nationality of other countries, 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.

After retirement, if the retiree is abroad, the social security agency can pay the monthly pension to the insured. The annual pension qualification certification can also be certified at the local embassy in China and then sent back to China.

3. What should I do if I really want to surrender?

However, when surrendering, only the provident fund can be fully returned to the individual, and the pension can only be returned to the individual.

Knowing this, even if you immigrate to Hong Kong, you don't have to worry about social security!

I wrote a lot, but I couldn't send it out. Interested parties can add professional information in this field on the WeChat of Jinfeiyan Consulting Company and send it to you.

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