How to get a pension

The conditions for receiving a pension are as follows:

1, has reached the statutory retirement age and has gone through retirement procedures;

2, units and individuals to participate in old-age insurance and fulfill the obligation to pay old-age insurance premiums;

3. Individual contributions should be at least 15 years. At present, the legal retirement age of enterprise employees in China is: male employees are 60 years old; Female employees engaged in management and scientific research are 55 years old; Female workers engaged in production and auxiliary work are over 50 years old, and female freelancers and individual industrial and commercial households are over 55 years old.

What is the pension processing process?

The pension processing flow is as follows:

1. Employees should submit retirement materials three months before reaching retirement age; At the same time, the employer will bind the employee files and submit them for retirement, and ask customers to submit materials in time to avoid the impact of time constraints on retirement procedures;

2. Please contact the customer service representative to sign the agency contract. According to the situation of the districts and counties where social security belongs, the employer shall provide the list of materials, and the customer shall provide it as required according to his own situation;

3. According to the application, the staff of the employing unit shall go through the liquidation procedures of the old-age insurance at the social security center at the beginning of the month when the employee arrives at the retirement month, and print the Notes on Filling in the Social Insurance Fee Business Report;

4. The staff of the employing unit shall calculate the employee's pension according to the notes to the social insurance business report, fill in the retirement approval form, and go to the labor and social security department for retirement approval within 5 to 20 days of the month when the employee arrives at the retirement place, with the notes to the social insurance business report, retirement application form, employee personnel files and other materials; The labor and social security department shall examine the materials. After the examination and approval, the staff of the employing unit shall go to the social security center to handle the monthly payment of old-age insurance and on-the-job retirement procedures of basic medical insurance with the "Retirement Approval Form" stamped by the labor and social security department;

5. Employees begin to receive pensions in the month after approval. After the month after retirement is approved 10, the employees of the employer will inform the retired employees to collect the retirement approval results from the employer, or they will be handed over by the CIIC customer service representative; The pension will reach the pension account of retired employees around 15 every month.

Legal basis: Article 15 of the Social Insurance Law of People's Republic of China (PRC).

The basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 17

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.