Is it possible for a 40-year-old woman with an unemployment certificate to halve the social security premium? What should I do in three years?

Because the retirement age of the insured's pension is 15, he can receive a monthly pension, pay it in one lump sum or only have a few accounts, get some subsidies and social security, and then terminate the relationship.

The retirement age of female workers is 50 years old and that of female cadres is 55 years old, so from this perspective, it is very cost-effective for me to retire at the age of 50, otherwise the pension paid in the future will not be cost-effective.

The national pension insurance is now basically balanced, and it is a rumor that the three-year pension insurance will be refunded in half. However, the state has a policy of 40.50. All women over 40 years old and men over 50 years old, who are laid off and unemployed, have unemployment certificates and have difficulties in re-employment, can apply for social security subsidies for three years, and can return 60% of the social security they have paid as subsidies.

Extended data:

Pensions in China are mainly divided into two categories: retirement pensions for employees in government institutions and retirement pensions for employees in enterprises. These two systems are generally called "dual-track system" by public opinion. There is a huge difference in treatment between the two, which is a discriminatory system that has lasted for 20 years in China. There are three differences:

First, the overall planning methods are different. The employees of enterprises are paid by the unit and the employees themselves according to certain standards, and the institutions and institutions are funded by the government;

Second, the payment channels are different, that is, employees of enterprises are paid by self-raised accounts, and institutions are paid by finance;

Third, the standard of enjoyment is different, that is, the pension standard of government agencies and institutions is much higher than that of enterprise retirees, with a gap of about 300%~500%.

Because the old-age security systems of enterprises and institutions are different, there is a big difference in treatment between them, which has aroused the dissatisfaction of the masses, and the voice of narrowing the gap and unifying the system is growing.

Baidu encyclopedia-pension