What about the social security paid by mainland residents after moving to Hong Kong?

What about social security in the mainland after immigrating to Hong Kong?

In recent days, many customers who immigrated to Hong Kong are asking the same question, that is, how to deal with domestic social security after immigrating to Hong Kong? Can I keep it? Many customers often travel between the mainland and Hong Kong, and even some customers apply for immigration mainly for their children to enjoy Hong Kong education, but their focus is still on the mainland. So in this case, what about my original social security? Bian Xiao has published this issue in this magazine before, and here Bian Xiao is willing to analyze and introduce it again.

/kloc-What should I do if I move to Hong Kong below 0/5?

For example, Mr. Zhang, who applied for100000 investment immigration before, has encountered such a problem. Mr. Zhang, 35, went through the formalities of moving to Hong Kong this year. "I work in Guangzhou 1 1 year, and the social security payment is almost 1 1 year. Now that the whole family is going to Hong Kong, what about social security? Can my personal money be refunded? "

We learned from guangdong provincial department of human resources and social security that according to the relevant regulations, if the insured leaves the country to settle down before retirement, the personal account amount will be returned to the insured, and the pension insurance relationship will be terminated at the same time, but the account can be kept without surrender.

So for Mr. Zhang, will social security be retired? Immigration experts suggest that it is best not to surrender. They said, "Over the years, we have come into contact with some immigration cases. Some people return home after going abroad, resume their nationality and 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.

Can I get a pension in China after paying 15?

According to the current policy, when male employees reach 60 years old and female employees reach 50 years old, and the social security contribution reaches 15, they can retire and receive pensions. Social security experts say that at retirement age, even if you have foreign nationality, 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. It is reported that when retirees are abroad after retirement, social security agencies can send their monthly pensions to the insured. The annual pension eligibility can also be handled at the local embassy in China and then sent back to China.

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