What are the conditions for extra pension benefits?

If the insured person with flexible employment status meets the three conditions, the payment period will be the same, and 1 transitional pension will be paid when he retires. What happened?

There are two conditions for employees to retire, which must be met at the same time: the minimum payment period of social security 15 years, which meets the retirement age requirements.

After meeting the retirement conditions,

apply for

The next month after retirement, enjoy pension benefits and receive a pension.

The basic pension at retirement generally includes basic pension and personal account pension, but for retired workers with the same payment period, transitional pension will be issued.

In addition to allowing employees to participate in social security for employees, individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can also participate in the basic old-age insurance.

Flexible employees participate in insurance as individuals, because no unit pays for it, and all expenses are borne by individuals. The proportion of payment is divided into multiple payment grades according to the local payment base, and flexible employees can choose freely. However, because all expenses are paid by individuals, even if the lowest payment grade is chosen, 1 year will cost several thousand yuan, and the payment pressure is still great.

Therefore, every insured flexible employee hopes to get a higher pension when he retires to make up for the high payment before retirement.

From the accounting process of pension, we find that retirees with the same payment period will pay extra transitional pension when they retire, and the basic pension they finally get will often be several hundred yuan higher than those without transitional pension.

Is the payment period the same for retirees with flexible employment? Is there a transitional pension?

It is regarded as the payment period, as the name implies, that is, without actual payment, you can also enjoy pension benefits and issue additional transitional pensions.

The insured persons with flexible employment status are basically divided into two categories, one is insured as an individual from beginning to end, and the other is insured as an individual after leaving the work unit for various reasons.

If the insured with flexible employment has worked in the unit, it may still be regarded as the same payment period and additional transitional pension.

Therefore, whether retirees are regarded as payment years is not directly related to their status at retirement, but mainly depends on their working years before retirement.

In other words, employees who retire on the job do not necessarily have the same payment period, and employees who participate in flexible employment do not necessarily have the same payment period. By consulting the personnel files of the insured, we can judge whether the retirees have the same payment period.

What is the standard of deemed payment period?

According to the State Council's Notice on Deepening the Reform of the Pension Insurance System for Enterprise Employees, before the implementation of the individual payment system, the continuous service of employees can be regarded as the payment period.

The deemed payment period refers to the continuous working period calculated by the state before the actual payment period of the insured employees.

Specifically, it can be divided into the following situations:

One is to fix the working years of employees before the implementation of the basic old-age insurance system for enterprises and employees.

Second, after the formal employees of government agencies and institutions are transferred to enterprises, they should participate in the basic old-age insurance for enterprise employees, and their original working years are regarded as payment years.

Third, the length of military service of demobilized veterans who participate in the basic old-age insurance can be regarded as the payment period.

Fourth, if the educated young people from cities and towns who go to the countryside are recruited as contract workers and participate in the basic old-age insurance, the continuous length of service calculated according to state regulations during the period of going to the countryside is regarded as the payment period.

Flexible employees, as a special group participating in employee social security, may be regarded as the payment period by the social security department if the above situation exists.

Why not say that there must be a deemed payment period?

Because of retirement, it is not up to you to decide whether it is regarded as the payment period. The social security department must check the relevant evidence materials and meet the conditions before it can be deemed as the payment period.

When flexible employees meet the following three conditions at the same time, they will be regarded as having the same payment period.

The first condition is whether the place where the flexible employees are located has officially joined the work and has a continuous length of service before the establishment of the individual payment system for endowment insurance. Continuous length of service refers to the length of service that can be calculated continuously according to law, including the length of service of this unit and the length of service previously calculated in other units according to law. After 1987, its scope is not limited to working hours in a unit, but includes all working hours that employees should be included in each unit according to regulations.

The second condition is to work in a state-owned enterprise or institution at or above the county level or a large collective.

The third condition is whether there is a personnel file as proof.

If you have worked in private enterprises or joint ventures, because these enterprises have no personnel rights, they will not have personnel files and cannot enjoy the same payment period.

In addition, even if individuals do have work experience in state-owned enterprises, institutions or large collectives, if they are only temporary workers without preparation, there is no way to identify them as payment years.

On the whole, whether there is a deemed payment period is inseparable from the relevant information records of personal personnel files, and there is no evidence. Even if an individual has worked in a state-owned enterprise or a large collective enterprise, it is difficult to be regarded as having the same payment period without files as evidence. This shows how important the personnel files are when you retire.

Finally, the following points are summarized:

1, which is treated as the payment period. If there is no actual payment, the basic pension will be calculated by combining with the actual payment period, and a transitional pension will be issued.

2. Flexible employees need to meet the above three conditions at the same time in order to have the deemed payment period. If flexible employees are insured only after establishing personal pension accounts in the local area, it will definitely not count as the payment period.

3, 2065438+before September 2004, working in government agencies and institutions, their length of service will also be regarded as the payment period. /kloc-employees of government agencies and institutions who retire after June 0/4 will also consider the same payment period and transitional pension when calculating pension benefits. After resigning, those who retire as flexible employees will also have a transitional pension.

4. If an individual does have the corresponding work experience, it may be regarded as the payment period, but it is not recognized because of insufficient file evidence. I suggest you don't give up easily. You can try to win the recognition of the deemed payment period by the social security department in various ways, such as finding the original unit to supplement the supporting materials.