How to transfer social security is the most cost-effective?

The biggest reason is that it is more convenient and more expensive to receive a pension after retirement.

But sometimes the transfer of social security is a loss to us, because the pension is related to your payment period, payment base, personal account balance and the average salary of employees in the place where the pension is received.

For example, if the average salary in Beijing is 8,000, and the average salary in your hometown is 4,000, then you will receive more pensions in Beijing.

Do you think it's a loss if you made it in Beijing before and want to move to your hometown?

Social security accounts are divided into temporary accounts and general accounts.

If it belongs to a general account, that is to say, after reaching the legal retirement age, if the payment period meets the local regulations, you can go through the retirement procedures and enjoy the retirement benefits there. Such a social security account can be transferred if you want.

If you are a temporary account, it means that you are not eligible to retire there in the future. You can only transfer the social security relationship between provinces and cities to your future retirement benefits, handle it twice, or handle the surrender liquidation.

According to national regulations, men and women who change jobs in cities after reaching the age of 50 can only set up temporary accounts, and the social security originally paid cannot be transferred to the temporary accounts. After retirement, the amount in the temporary accounts will be automatically remitted together and returned to your original insured place. (Note: There is no age limit when applying for transfer in the province if the household registration personnel in the same province are employed in the province! )

In this way, even if the social security of the temporary account is not transferred, it will automatically return to the original work place.

For example, if you are 55 years old and go to Beijing to work for five years and retire, the social security paid in these five years will automatically return to your original place of work.