Why do you work in Changzhou and buy social security in Nanjing? Will you be in trouble after retirement?

Work in Changzhou and pay social security in Nanjing. There may be more formalities when you retire, but it will not affect your normal retirement and receive retirement benefits.

The Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Employees in Urban Enterprises jointly promulgated by Ministry of Human Resources and Social Security and the Ministry of Finance clearly stipulates that the employees' work place, household registration place and social insurance payment place are not together:

Article 5 The transfer of the basic old-age insurance relationship of the insured with inter-provincial floating employment shall be handled in accordance with the following provisions:

(1) If the insured person returns to his domicile (referring to a province, autonomous region or municipality directly under the Central Government, the same below) for employment, the relevant social security agency at the domicile shall handle the transfer and connection procedures in time.

(two) if the insured fails to return to the place where the household registration is located for employment and insurance, the social security institution shall handle the transfer formalities for him in a timely manner in the newly insured place. However, for men over 50 years of age and women over 40 years of age, the basic old-age insurance relationship should be maintained in the original insured place, and a temporary basic old-age insurance payment account should be established in the new insured place to record all the contributions of units and individuals. Thirdly, when the insured person is employed across provinces or reaches the conditions for receiving benefits in the newly insured place, all the payment principal and interest in the temporary basic old-age insurance payment account will be transferred to the original insured place or the place for receiving benefits.

(III) If the insured is transferred with the approval of the Organization Department of the Party Committee at or above the county level and the administrative department of human resources and social security, and establishes labor relations with the transferred unit and pays the basic old-age insurance premium, it is not subject to the above age limit, and the basic old-age insurance relationship transfer and connection procedures shall be handled in time at the transferred place.

Article 6 When the insured persons with inter-provincial floating employment meet the conditions for receiving benefits, the place for receiving benefits shall be determined in accordance with the following provisions:

(a) the basic old-age insurance relationship in the domicile, the domicile is responsible for receiving treatment procedures, enjoy the basic old-age insurance benefits.

(2) If the basic old-age insurance relationship is not located in the domicile, but the accumulated payment period in the domicile of the basic old-age insurance relationship has reached 10 years, the local treatment collection procedures shall be handled and the local basic old-age insurance benefits shall be enjoyed.

(3) If the basic old-age insurance relationship is not located at the domicile, and the cumulative payment period in the locality where the basic old-age insurance relationship is located is less than 10 year, the basic old-age insurance relationship will be transferred back to the original insured place, and the payment period will be 10 year, thus enjoying the basic old-age insurance benefits.

(4) If the basic old-age insurance relationship is not located at the domicile, and the accumulated payment period in each insured place is less than 10 year, the basic old-age insurance relationship and corresponding funds shall be collected at the domicile, and the domicile shall go through the formalities for receiving the benefits according to regulations and enjoy the basic old-age insurance benefits.

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