Both grades have been paid social security. What is it in the end?

Resignation is the norm, and it is impossible to work for a lifetime.

In this case, most people will encounter such a problem-both employee social security and resident social security have been paid.

What about the pension after that? There are two situations.

0 1

Pay two kinds of social security in two places at the same time

For example, if you work in Shenzhen and pay employee social security; At the same time, my hometown paid social security to the residents, wasting money.

Because medical insurance can only be reimbursed once, the number of years and account amount of endowment insurance will not be calculated twice for you. When you retire, you can only choose a social security pension, pay two yuan and enjoy only one benefit.

So I'm still making two social security friends at the same time, and stop loss in time!

02

Pay two kinds of social security in two places at different times.

For example, you paid social security in Shenzhen for ten years, then went back to your hometown to develop and paid social security to the residents.

So how do you get a pension in this situation?

In fact, the two can be transferred and merged. Whether residents transfer to employees or employees transfer to residents, in fact, the balance of personal accounts can be completely transferred and can be combined and accumulated.

The difference lies in the calculation of the payment period. If residents' social security is transferred to employees' social security, the payment period cannot be transferred and accumulated.

Lao Wang, an employee, paid employee pension insurance for fifteen years, followed by resident pension insurance for five years. Two social insurances have been transferred, and his payment period is still fifteen years.

However, when employee social security is converted into resident social security, the payment period can be combined and accumulated. For example, Lao Wang paid employee social security for eight years, and then returned to his hometown to pay resident social security for seven years. The cumulative payment period is fifteen years.

develop

Under what circumstances can I transfer?

To change residents' social security into employees' social security, two conditions must be met:

1. Reach the retirement age of employees.

2. Employee's pension payment has exceeded 15 years.

After retirement, the pension is paid according to the employee pension.

To transfer employee social security to residents, only one condition needs to be met:

Employees who have paid pensions for less than fifteen years may apply for transfer.

After retirement, pensions are paid according to residents' pensions.

transfer process

Parts-1

Put forward a written application for pension insurance convergence to the place where the treatment is received;

the second part

The social security agency in the place where the benefits are received will review the application and send a contact letter to the original Insurance Regulatory Bureau within 15 working days after passing it;

the third part

After receiving the contact letter 15 working days, the original insured place completes the procedures of information transmission and fund transfer connected with the system;

part four

Finally, the Social Security Bureau will complete the relevant procedures within 15 working days and inform the applicant of the situation in time.

Pay social security to employees if possible.

Because employees' pension benefits will be more fragrant than residents ~