Q:
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What is the definition of Pension Insurance?
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A:
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Pension Insurance, the full name is the social basic pension insurance, is the basic country and society in accordance with certain laws and regulations, in order to solve the labor age limit for the workers to reach the state to release the labor obligations, or after leaving the work position due to incapacity due to old age.
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Q:
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What conditions can be met to get pensions?
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A:
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According to relevant regulations, after the workers reach the legal retirement age, the social insurance must declare 15 years before they can get pensions.
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Q:
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When we reach the legal retirement age but did not declare 15 years of social insurance, can we get pensions?
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As one of the most important types of social insurance, and in order to better protect the basic living needs of the elderly, our government departments have been constantly improving the rules for receiving pension. If the social insurance did not declare for 15 years before reaching the legal retirement age, remedies can be made in the following ways:
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1.
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Annual supplementary payment: when reaching retirement age, there are still a few years left, which can be repaid every year, until pensions can be withdrew after 15 years;
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2.
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Delay retirement: when reaching the retirement age, if the social insurance has not been declared for 15 years, the person can apply the enterprise to delay retirement, but the delay is up to 5 years;
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3.
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One-time payment: only three types of personnel can receive pensions through one-off payment:
1) Educated youth;
2) Employees of state-owned enterprises and institutions retired before year 2011;
3) Employees who have reached retirement age and have declared local social insurance contributions before 2011.
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4.
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Transfer to Resident Social Security: declare the social insurance by oneself until 15 years, but pensions amount will lower than the amount declared by the company;
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5.
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Direct surrender: no longer continue to declare social insurance, the part contributed by oneself previously can be refunded, but at the same time, the person can no longer enjoy pensions, medical insurance and other benefits.
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Q:
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Whether the people who declare social insurance at the workplace can return to their domicile place for pensions after retirement?
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A:
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Migrant workers who have declared 15 years of social insurance at the workplace can withdrew pensions locally, or they can return to their domicile place to get pensions after going through the formalities of transferring pension insurance.
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Q:
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The amount of pensions received is related to the amount in the personal pension account, so is the personal part of the social insurance contribution stored in the account calculate interest?
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A:
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The personal part of the personal pension insurance account is calculated according to the provisions of interest.
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