Aging and old age are much tougher than you think! Pension insurance, have you planned?

With the rapid development of the economy, people's living standards have been greatly improved, and the development of high technology has led to the continuous upgrading of hospital equipment, so that human life expectancy has been greatly extended. We can see that there are more and more long-lived old people around. China's elderly population over 60 years old is growing at an average annual rate of 3%. Since December 1999, the number of elderly people over 60 years old in China has reached one-tenth of the total population, and China has formally entered a large country with an elderly population. In the past, all the functions of old-age care were undertaken by the family, but modern families are becoming increasingly smaller in size, with many '421' family patterns, i.e., four old people, two young people and one child, so the responsibility for old-age care cannot be borne by the family alone. As a result, the pension insurance system has become a balance between old age and social development, and the status of pension insurance is becoming increasingly apparent.

After paying pension insurance for 15 years, you are eligible to receive a pension after retirement. But if you have already paid social security in several cities, you should transfer and merge your pension insurance before retirement. Nowadays, it is normal to change jobs or even cities. So, if you change jobs in a city, should you transfer your pension insurance together? How exactly does it work?

Today we will talk to you:

1, pension insurance how to transfer from one place to another? Pension insurance transfer process?

2, how to buy insurance to improve the pension?

1, pension insurance how to transfer? Pension insurance transfer process?

So, if you change jobs between cities, should you transfer your pension insurance together? How does it work? Let's take a look specifically:

1, for the separation certificate and issue "proof of insurance contributions"

Participants in the inter-provincial mobility before the enterprise should be issued a certificate of separation, and then to the enterprise belongs to the social security agency to apply for the issuance of a certificate of participation in the insurance contributions, and to provide the requirements of the participants residents of the relevant supporting materials.

2. Apply for transfer and show the Insurance Payment Certificate

After a participant has been employed across provinces, the employer or the participant in the new place of employment should apply for transfer to the social security organization in the new place of employment. If Mr. Zhu returns to Wangcheng County to work, he will apply for transfer and continuity at the social security institution in Wangcheng County by showing the proof of participation and payment of premiums and filling out the Application Form for Transfer and Continuity of Basic Pension Insurance Relationship.

Two, how to buy insurance to improve the pension?

How much insurance money you can get after retirement is a matter of concern for many people, directly related to the quality of life in later years. Therefore, it is a good choice to plan your retirement life wisely by buying insurance.

1, social security priority protection

Social pension insurance products belong to the government's responsibility. As long as the payment of social pension insurance premiums is completed regularly and quantitatively within the scope allowed by law, and the retirement age is reached after the contribution period of 15 years, you can receive the basic pension security benefits to ensure the stability of the elderly life. It serves as a national welfare policy and is part of the foundation of our retirement. However, since the Social Security Pension is a state benefit, it may only cover 30-40% of our pension plan. However, Social Security Pension is a basic national security. It has the following main advantages:

①Protecting the basics. Along with the increase in salary level, the level of pension for the insured after retirement will also increase.

②No occupational differences. As long as they participate in the basic social pension insurance, employees of private enterprises and state-owned enterprises can enjoy pension benefits when they retire.

2, consider commercial pension annuity insurance as a supplement

As mentioned above, as a national welfare system, social security pensions are limited and can only protect our basic life. If you want a more colorful life after retirement, plan to travel, further study, etc., are the need for a certain economic base to support. If the old age only social security pension income, it will be difficult to support the achievement of a better retirement life. Commercial pension insurance has the following main advantages:

①Commercial pension insurance is simple to operate: unlike stocks and funds, it requires a certain amount of time and effort to pay attention to the market and trends. As long as the insurance decides what products to buy, and as long as the insurance is paid on time every year afterward, you basically don't need to do anything.

②Commercial pension insurance is more clear: insured commercial pension insurance, clear monthly pension after retirement, you can let the insurance company to help calculate the amount of money individuals need to buy and pay time, in the agreement of the policyholder can receive a clear amount of monthly pension.

③Commercial pension insurance guides people to save: commercial pension insurance has the feature of compulsory savings, which is exactly the right way for the insured to implement a "deposit" program, paying premiums on a regular basis, in exchange for long-term pension protection fees. Moreover, because the younger the age, the earlier the plan, the lower the rate of pension insurance premiums.

Three, summarize

Commercial pension insurance is the future of the old age life protection, the old age life can be successful is based on personal health, health and happiness. Therefore, in the prime of life, we should prioritize risk management measures for health and personal well-being. If you are still confused and don't know how to buy insurance, you can go to a professional and excellent insurance broker for advice. Because professional insurance brokers will be a full range of assessment, according to your problems and needs tailored to the program, Baojun - has a professional and strong team of advisers, to match you with the most suitable for your exclusive adviser, on the Baidu search "Baojun" to provide you with a more professional adviser.