Hong Kong, Macao and Taiwan Old-age Social Security Law

China Insurance Network reminds you that people who have settled abroad but have not lost their nationality in China (including those who have settled in Hong Kong, Macao and Taiwan) are not allowed to withdraw their personal accounts in advance before reaching the statutory retirement age. Meet the following conditions, you can apply to the Provincial Social Security Fund Administration for pension insurance benefits: 1. You can apply for a basic pension when you reach the statutory retirement age and have paid the accumulated contributions for 15 years. 2. If the accumulated payment is less than fifteen years when reaching the statutory retirement age, you may apply for a one-time pension insurance.

Those who have left the country to settle down and have lost their nationality in People's Republic of China (PRC) may apply in writing for returning the amount stored in their personal accounts (relevant materials for renouncing their nationality shall be provided). For example, the materials indicating the cancellation of household registration due to the acquisition of foreign nationality, or the notarized Chinese translation of foreign nationality), terminate the basic old-age insurance relationship for employees. At the same time, when such people reach the legal retirement age, they can also apply for basic pension (accumulated contributions are over 15 years) or one-time pension insurance benefits (accumulated contributions are less than 15 years).

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