What should I do if the individual participates in social endowment insurance and the unit participates again?

Employees who participated in social endowment insurance in their hometown and now work in other provinces, municipalities and autonomous regions have to pay "five insurances and one gold" again. Now it doesn't matter. They can also apply for social insurance transfer when they leave the field.

"Several Provisions on the Implementation of the Social Insurance Law of People's Republic of China (PRC)" clearly stipulates that:

1. Article 2 When an individual who participates in the basic old-age insurance for employees reaches the statutory retirement age, if the accumulated payment is less than fifteen years, the payment may be extended to fifteen years. After the implementation of the Social Insurance Law, if the payment is extended for five years but still less than fifteen years, it can be paid in one lump sum for fifteen years.

2. Article 4 If individuals who participate in the basic old-age insurance for employees are employed across provinces, and the accumulated payment is less than 15 years when they reach the statutory retirement age, they will continue to pay in accordance with the Notice of the General Office of the State Council on Forwarding the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Urban Enterprise Employees in Ministry of Human Resources and Social Security (No.66 [2009] of the State Council).

3. Article 5 If individuals who participate in the basic old-age insurance for employees are employed across provinces and meet the requirements of receiving the basic pension on a monthly basis, the specific measures for the calculation and unified payment of the basic pension shall be implemented in accordance with the Notice of the General Office of the State Council on Forwarding the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Employees of Urban Enterprises in Ministry of Human Resources and Social Security (Guo Ban Fa [2009] No.66).

Attachment: Notice of the General Office of the State Council on Forwarding the Interim Measures of Ministry of Human Resources and Social Security and the Ministry of Finance on the Transfer and Continuation of the Basic Old-age Insurance for Employees in Urban Enterprises (Guo Ban Fa [2009] No.66). ?

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