Retirement policy Retirement policy in other countries

Now China is not only a population proportion of the world's 19.85% of the superpower, in the improvement of living standards and improve medical equipment so that the life expectancy of people to increase the conditions of the aging population began to intensify, in order to make the elderly life security, China created a pension insurance policy, the purpose is to help the elderly retirees have a stable and comfortable life. And then we know the latest policy of heterogeneous retirement? The following is my organization to you.

1, different cases of different places to receive pension insurance

A few days ago, the Ministry of Human Resources and Social Security issued a "notice on the transfer of basic pension insurance relations of urban enterprises and workers," clearly the transfer of basic pension insurance relations of urban enterprises and workers a number of issues, a detailed answer to the cross-provincial mobility of the employment of people to get where the old-age insurance, how to calculate the number of years in the multiple places of the deemed contribution, repeat the pensioners how to deal with issues. The company's main goal is to provide the best possible service to its customers.

According to the notice, according to four different situations, the provisions of the pension insurance benefits: pension insurance relationship in the domicile, the local receive; not in the domicile, in the cumulative contributions of 10 years in the region to receive; not in the domicile, and less than 10 years of contributions, the transfer back to the last full years of contributions to receive; not in the domicile, and in more than one cumulative years of contributions less than 10 years, the regroupment of domicile in accordance with the regulations. Receive.

2, the transfer of pension insurance in other places

According to January 1, 2010 will be implemented in the "urban enterprise workers basic pension insurance relationship transfer and continuity of the Interim Measures", including migrant workers, including participation in the urban enterprise workers basic pension insurance of all personnel, its basic pension insurance relationship can be transferred in the employment of cross-provincial; in the transfer of the individual account storage amount at the same time, but also to transfer some of the unit The participants in the local contribution years are combined, the individual account storage amount is calculated cumulatively, on the migrant workers are treated equally.

And for a long time, due to the pension insurance relationship can not follow the person mobile, serious harm to the flow of rural migrant workers to participate in the enthusiasm. This is because, once the mobile migrant workers leave the workplace, the only option is to withdraw, and the current policy is to return only the individual part of the payment, the enterprise part of the payment to the social security institutions to retain, that is to say, the person left, but not to take away the enterprise to pay for personal pension insurance.

The more land-intensive developed coastal cities, accounting for migrant workers, the more "cheap", the local social security will be the more rich, but also more willing to migrant workers, "surrender" open the door to facilitate. However, in recent years, many regions actively implement the state's relevant policies to protect the rights of migrant workers, the introduction of a number of provisions conducive to promoting the active participation of migrant workers.

For example, "Qingdao Municipal Migrant Workers Basic Pension Insurance Interim Provisions" to be sealed, re-employment in the integrated region and participate in the urban workers pension insurance, social insurance relations to be continued. The rural migrant workers who participate in the city's basic pension insurance for urban workers leave the co-ordinated area for re-employment, and upon application, the social insurance relationship can be transferred to the place where they re-enroll in the insurance.

The non-city migrant workers leave the region, the social insurance relationship can not be transferred, upon my written application, with personal ID card can be in the unit to pay the social insurance agency for a one-time termination of the social insurance relationship, by the social insurance agency will be the amount of the individual account reserves a one-time payment to the person.

3, in the cumulative contributions of 10 years in the region to receive

Clearly the retirement location to determine the principle of clarification of the local pension insurance matters, to protect the rights and interests of the insured pension insurance. Inter-provincial mobility employment of the insured personnel to meet the national retirement conditions, first of all, based on their domicile location for retirement procedures, enjoy the basic pension insurance benefits; when the domicile location and the insurance place is not the same, if the last insured place to participate in the last 10 years, in the last place to participate in the retirement formalities, the issuance of the basic pension; such as in the last place of participation in the last less than 10 years, in turn, forward to the full 10 years of the Retirement procedures; if the insurance are less than 10 years in all places, then in the domicile for retirement procedures.

4, on the retirement age

for men over 50 years of age and women over 40 years of age to transfer employment across the region, due to the current retirement age, it is generally no longer possible to participate in the new place of continuous contributions for 10 years and in the place of retirement formalities, and therefore the provisions of the establishment of a temporary old age insurance contribution account in the place of employment to facilitate the continuation of their participation in the contributions; to be reached to the retirement age, will be temporary pension insurance contribution account; to be the national provisions of the retirement age, will be the temporary pension insurance account; to be the national provisions of the retirement age, will be the temporary pension insurance account. When they reach the retirement age specified by the State, all the contributions in the temporary pension insurance contribution account will be transferred and pooled together in the place where they originally retained their basic pension insurance relationship or where they went through retirement procedures. Such provisions, not only to make the age of the older people to participate in foreign employment no longer have to worry about, to protect their cumulative rights and interests, but also can be appropriate to reduce the population of the central city to carry and the pressure on the pension insurance fund.

In conjunction with the implementation of the two measures, to further improve the workflow of social insurance agencies at all levels, and strengthen the collaboration of social insurance agencies around the world, so as to make the transfer of pension insurance relations across the region more convenient, rather than more cumbersome. Both measures stipulate that the social insurance agency in the place of employment of the insured person is responsible for registration of participation, authorization of contributions, recording and preservation of rights and interests, etc., and that when the insured person leaves the place of employment, the social insurance agency issues a voucher for participation in the insurance and payment of contributions. If the insured person is employed in another region and continues to participate in the insurance, as long as he or she submits an application for continuation and shows the voucher or information of participation and payment, he or she will be able to transfer the pension insurance relationship by the transferring and transferring social insurance agencies to handle the continuation of the procedures, and it is not necessary for the insured person to go back and forth to handle the procedures in the two places, which reduces the individual's responsibilities and burdens.

On the other hand, the principle of determining the place of retirement has been clarified to clarify the local pension insurance authority and to protect the pension insurance rights and interests of the insured. Cross-provincial mobile employment of the insured personnel to reach the national retirement conditions, first of all, according to its domicile location for retirement procedures, enjoy the basic pension insurance benefits; when the domicile location and the insurance place is not the same, if in the last place of insurance for 10 years, in the last place of insurance for retirement formalities, the issuance of the basic pension; such as in the last place of insurance is not less than 10 years, in turn, forward to the full 10 years of the The last place to participate in less than 10 years, in order to forward to the full 10 years of the retirement procedures; such as in all parts of the insurance are less than 10 years, then in the domicile of the location of the retirement formalities.

From the above, we can understand that the latest policy of foreign pension insurance is no time limit, regardless of where the social security account is, as long as the transfer procedures are not completed, is still retained in where, there will not be a cleanup and so on. And it can be raised or lowered according to different age stages. Can also be very good to reduce their own financial burden, but also for the elderly off-site pension to provide the possibility.