I've been retired for almost a year, and I haven't received a pension yet.

Reasons for delaying the payment of pensions:

1. For example, if you retire in April and May, you belong to the retired population in the first half of the year. However, many regions stipulate that you must calculate accurately, and you can't calculate the normal pension with the average social salary of the previous year. Then he will wait for the average social wage of the previous year before calculating your pension benefits.

2. It may not meet the retirement conditions, so if this situation really goes to the social welfare department, he will inform it at the first time;

3. Your pension insurance has been paid cumulatively. Although the fixed number of years has reached more than15th anniversary, you are younger because the date of birth registered in your personal file is different from your real date of birth, so you can actually retire according to the date of birth in the file. You haven't received a pension for more than a year, which may be one of these five situations.

As we all know, according to China's regulations, in order to receive the pension on time after retirement, the insured person needs to pay social security 15 years before retirement. If you 15 years have not paid the contributions, you will not get the pension. Therefore, every insured person pays more attention to the payment time of social security.

However, many insured people found a problem after retirement. They have obviously paid social security for 15 years and have reached retirement age, but there is no extra pension in their personal accounts.

To expand, I haven't received a pension since I retired for more than a year. It is probably these five situations. Let's take a look.

First, the social security card financial account was not activated in advance.

If the fiscal account is not activated in advance, the pension will not be paid smoothly. Therefore, when the insured goes through the retirement formalities, he must remember to activate the financial account at the bank outlet marked on the social security card, so as to effectively ensure that the pension can be credited to your card in time.

Retirees need to apply for a personal social security card in the bank and open the financial account function of the social security card to ensure the normal payment of pensions.

Second, the annual audit certification was not carried out as required.

At present, the annual review of pensions is open. Even if the annual review can be conducted every month throughout the year, the interval between two annual reviews should not exceed 12 months. If the annual review is overdue, it shall be suspended in accordance with the relevant regulations and will be renewed (reissued) after the annual review.

Third, there is no retirement procedure in accordance with the regulations.

Before the 25th day of the month when the insured reaches the statutory retirement age (or before the 25th day of the month when the payment is postponed), he should fill in an application form for social endowment insurance benefits in duplicate at the local social security service center, and bring all relevant materials (applicant's ID card, household registration book, original and photocopy of social security card, 1 inch recent bareheaded photo and other materials required by the local social security agency) to the social security bureau or the "one-door" of the last insured place.

Fourth, the bank account is locked.

Another possibility is that your social security card is locked. For example, if your social security card reports the loss, your financial account will be locked during the card replacement period, and the money inside will not be taken out, and the pension will not be able to enter, or if the number of password entries of the social security card reaches the upper limit, it will be automatically locked to ensure the safety of account funds. Therefore, in these cases, it is necessary to go to the bank to go through the relevant procedures in time to restore the use of social security cards.

Fifth, retirement procedures take a long time to review.

For the insured who has reached the statutory retirement age, it is usually 1-2 months in advance to prepare retirement materials. However, after submission, it must be reviewed by the employer and the social security agency, and then the relevant staff will calculate the pension benefits according to your insurance payment.

To sum up, most people who have just gone through retirement procedures can't get their pensions on time, which is generally delayed by 1-2 months. However, the underpaid pension will be reissued at that time. Please be patient.

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.

Article 18

The state establishes a normal adjustment mechanism for basic pensions. According to the average wage increase and price increase of employees, the basic old-age insurance treatment level will be improved in a timely manner.