What should I do if I have reached the age of 60 and receive a rural pension 100 yuan per month, but I still pay employee insurance?

Hello, everyone, I am a social security expert. In this case, you can only choose to apply for termination of employee pension insurance, refund the pension balance in your personal account and receive the basic pension for residents at the same time. This is a more realistic choice at present.

At present, there are two kinds of endowment insurance in China, one is employee endowment insurance and the other is resident endowment insurance. According to state regulations, individuals cannot participate in employee pension insurance and resident pension insurance at the same time, and cannot receive two pensions at the same time.

If you find that you are insured repeatedly and receive two pensions, you must terminate one of them and receive only one pension.

Your father is already receiving the basic pension for residents, because he has reached the legal retirement age, and the employee pension insurance payment is insufficient 15 years, only five years, which does not meet the conditions for receiving the employee pension.

Repeatedly insured, when reaching the statutory retirement age, the employee's old-age insurance is less than 15 years, and he can choose to transfer to the urban and rural residents' old-age insurance and receive the residents' pension.

However, the premise is that you have never enjoyed a resident pension. If you have started to receive a pension and enjoy it, the pension of the employee pension insurance cannot be transferred. You can choose to terminate the employee pension insurance relationship and return the balance of your personal account to you.

Moreover, your father's employee pension insurance has only been paid for five years, which means that he began to participate in employee pension insurance in 20 14, and he joined the insurance after the implementation of the social security law in July 201year. At present, there is no one-time return policy of 15.

Because only those who are insured before the implementation of the social security law and are less than 15 years after the extension of payment for 5 years can pay 15 years in one lump sum.

So, your father will be 72 years old by extending the payment to 15. It is only four years short of the average life expectancy of 76 years in China, and it will be more difficult to change back to the original. Moreover, there is no income during the extended payment period of pension insurance, only pension insurance payment, and the pressure is quite great.

In addition, your father is over the legal retirement age, so he can't sign a labor contract and establish a labor relationship with the enterprise. On the one hand, your father won't be able to work until he is 72. On the other hand, the enterprise can't let you work and pay social security before he is 72 years old, so you can only pay for it yourself.

This kind of pressure is relatively large and unrealistic. It is suggested that it is better to receive residents' pension.

I feel really sorry after reading the description of the problem.

I'm 62 years old, and I've only paid the employee pension insurance for five years. If I want to receive a pension, I must be at least 72 years old. Generally speaking, it really doesn't make sense to participate in employee pension insurance.

There is a question about insurance: according to the provisions of the Labor Contract Law, labor contracts that exceed the statutory retirement age are automatically terminated. Generally, when you reach the legal retirement age, you can't participate in insurance through enterprises. What is the social security paid by the insured and the enterprise? If you lie about your age, you will be in trouble when you retire.

If the employer terminates the labor contract and stops paying insurance, the employee can only pay insurance through flexible employment. Individuals need to bear all social insurance premiums, so the burden is very heavy.

In case the insured person dies before receiving the pension, he can only return his personal account and the corresponding funeral expenses and pension expenses, and may even lose money.

In fact, a more appropriate way is to apply to the social security department of the insured place first and return the overpaid two-year insurance. Then the old-age insurance that has only been paid for three years will be transferred back to the household registration place, because according to the Interim Measures for the Transfer and Continuation of the Old-age Insurance Relationship for Urban Employees, if the retirement age is reached and the payment in the insured place is less than 10 years, the old-age insurance relationship will be transferred back to the household registration place, and the old-age insurance relationship will be insured in the household registration place and retirement procedures will be handled.

When you transfer back to your household registration, you can choose to participate in the endowment insurance for urban and rural residents, because you can make up 15 years at the age of 60.

Actually, it's because I have participated in the endowment insurance for urban and rural residents and received retirement benefits. In this way, the payment period of the old-age insurance for urban and rural residents in the past should be combined with the current payment period of the basic old-age insurance for employees. Incorporate the employee pension insurance payment personal account into the urban and rural residents pension insurance payment personal account. If the payment time of endowment insurance is repeated, the payment amount of endowment insurance for urban and rural residents will be refunded.

Finally, according to the merged personal accounts of urban and rural residents' pension insurance, the pension benefits of urban and rural residents' pension insurance are recalculated.

According to the national regulations, it is really impossible to participate in the insurance, so we'd better pay more attention when participating in the insurance, otherwise it would be too embarrassing to have such a problem.

Hello, landlord, over 60 years old, receiving rural pension, more than one month 100, but still paying employee pension insurance. How to deal with this problem? I think if this is the case, then the employee pension insurance can stop paying and ask for a refund of the fees you paid. Of course, only part of the expenses in your personal account can be refunded during the refund process, but not in full.

Because the employee's personal endowment insurance you pay is divided into two accounts, one is a personal account and the other is an endowment insurance account. The other account is the pension insurance co-ordination account. Then the money in this individual pension insurance account can be returned to you, and the money in the overall pension insurance account cannot be returned to you. So you can only return it, which is about 35% of your total payment, and the remaining 65% is actually the money in the overall account, which can't be returned.

So after the age of 60, you don't need to participate in employee pension insurance. You have already enjoyed a treatment of employee pension insurance. First of all, a person can only enjoy one pension for life, so since you enjoy the treatment of employee pension, you can't enjoy the treatment of employee pension, so you can only choose to return one employee pension.

Thanks for reading, please add my attention.

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A: This happens because there is no national unified network for social security, so although it is impossible to participate in the insurance again, there will still be repeated participation and it will not be discovered. China's current social security system has been unified into employee social security and resident social security, and rural social security is a part of urban and rural social security. Can not be insured to receive a pension, can only be converted and merged, choose one.

Why can't the subject's situation be changed to employee social security? The first reason is that individuals have been insured for many times and reached retirement age. They chose social security for rural residents in their hometown, went through retirement procedures and received pensions. Then one system has been selected to receive retirement pension, and another employee social security can only choose to surrender after retirement and receive the balance of employee social security individual contribution account.

The second reason is that the employee social security you bought has only been paid for five years, and the age of participation does not belong to the general pension account of women aged 40 and men aged 50, and it is insured in different places, which does not meet the requirements of delaying payment and handling one-time payment after the payment is over 10 years. If the employee's social security is insured by local household registration, and the payment is over 5 years, and then the payment requirement of 15 for receiving the pension is paid, the employee's social security retirement pension can be processed. In this case, the employee's social security can only be stopped, and then it will be transferred to the resident's social security, that is, your rural social security. The pension payment period will be accumulated and will not be cleared. Then pay 15 years to receive rural social security pension.

Now, you want to receive a pension again. You didn't change the social security of foreign workers into the social security of residents before retirement age, but retired directly from rural social security. Then you can't handle the conversion and merger. You can only surrender your employee social security and get back the balance of your personal account. Those who co-ordinate your account will not be refunded, nor will they be accumulated in your rural social security, which is a bit difficult for yourself. If you don't covet two adjacent social security, but merge and convert according to the provisions of the social security law, then your overall pension level will be much higher than the current 100.

To sum up: you can no longer participate in insurance. Two social insurances can only be merged and converted into one social insurance, and then you can retire. Don't be greedy. Dig a hole for yourself and do it according to the provisions of the social security law in order to maximize your rights and interests.

Hello, landlord, since you are over 60 years old and have reached the legal retirement age, you receive rural pension 100 per month. In this case, you will enjoy the rural pension. Of course, since you have enjoyed the rural pension, you can no longer enjoy the employee pension, so there is no need to participate in this employee pension insurance.

Rural pension and employee pension can only enjoy one of them, and the two kinds of pension insurance cannot be insured at the same time. So now that you are retired, you enjoy the treatment of this rural pension. Even if you pay for the employee pension insurance for more than 15 years, you won't get the pension. In the end, you can only get the withdrawal balance in your personal account.

Then you don't need to participate in employee pension insurance. After 60 years old, you can stop paying employee pension insurance benefits, and you can ask for withdrawal of personal account balance. Of course, the personal account balance of this account only accounts for less than 40% of your total payment. So the refund fee is not the full fee you paid. But for you, it is meaningless to participate in employee pension insurance, because you have already enjoyed a treatment of residents' pension.

Thanks for reading, please add my attention.

The basic old-age insurance for urban workers is transferred back to the place where the basic old-age insurance for urban and rural residents is located. After the individual accounts of the basic old-age insurance for urban and rural residents are merged, the basic old-age insurance for urban workers and urban and rural residents is recalculated.

This is also a lesson. The basic old-age insurance for urban workers and the basic old-age insurance for urban and rural residents belong to the social insurance system (only for different citizens). Unlike commercial insurance, they can't buy several insurance products and "enjoy insurance benefits repeatedly". Insured people should be insured according to law, enjoy social insurance benefits according to law, and can't "eat buns and cakes".

I'm 50 years old and I'm from the countryside. I have paid rural endowment insurance for 8 years at home and 60 months in Shenzhen. I'm embarrassed. I'm afraid to pay less at work 180 months. The medical insurance paid in the factory is a few dollars a month, and the medical insurance at home is also 250 yuan, great gods.

There is no pension in the countryside itself, which is the pension money given by the country's good policy of prosperity. Only when I paid the social security fund in full will I retire in the retirement year. This concept may be wrong.

Your mother wants to double the money and cheat the people.

More than 100 yuan for rural elderly people is not called pension. This is a state subsidy for the elderly farmers. Not to mention whether it is enough. Something is better than nothing.