A special half-day visit to the social security hall took place today to ask questions about old-age pension, health insurance, unemployment, injury at work, five types of maternity insurance, flexible employment insurance, relocation, retirement conditions, and rumours circulated online. The window staff spoke in a particularly positive manner, with no official language, and many of the practical details that could not be found on the internet and that could easily be stepped on, and are now all sorted out once and for all。
The full text is based on the regulations on the administration of social insurance of the law on social insurance, the current unified policy of the ministry of human welfare and the health insurance board, and does not exaggerate, fabricate or create anxiety, whether by working people, freelancers, or retired middle-aged people, and avoids 90 per cent of the social security circuits, each of which can be taken directly to the social security board。
First of all, we've got two social security systems
Many people have paid social security for more than a decade and are unable to distinguish between workers ' and residents'social security, and the two systems cannot be mixed or converted, and the treatment and contribution rules are very different。
1. Employee five insurance (worker, flexible employment options)
It covers old age, medical care, unemployment, injury at work and five types of maternity insurance。
Working employees bear the bulk of the costs at the unit, with only a small part being withheld from the individual; flexible employees pay their own full contributions to old-age pension + health insurance, and work injuries, unemployment and maternity cannot be covered separately。
The threshold for receiving benefits is 15 years of accumulated old-age contributions, reaching the mandatory retirement age (60 years for men, 50 years for women workers and 55 years for women cadres) and receiving a monthly old-age pension, with a higher rate of entitlement; health insurance paid at the local level (25-30 years for men and 20-25 years for women), without having to pay any further after retirement, and being reimbursed for life。
2. Social security for urban and rural residents (unregularized work, elderly, children)
There are only old-age and medical insurance schemes, with annual contributions of several hundred to several thousand yuan a year, and an annual subsidy from the government, with minimal contribution pressure。
The minimum basic pension for the population is a minimum of 100 monthly retirement benefits; the rate of health insurance reimbursement, the ceiling, is much lower than that for employees, and is suitable for low-income, short-term transitions。
The core mandatory rules: the two types of social security are not automatically combined; the merger requires active transfer procedures; the transfer rules are nationally harmonized; and they are implemented under the rural and urban pension insurance scheme. An employee who has reached the age of 15 years of retirement may be transferred to his or her personal account only, without taking into account the years of contributory service; an employee who has not reached the age of 15 years may be transferred to the age of old age, and the total number of years of service is calculated together。
Two or five of the risks are real, and the window crews are breaking it down
Many people only know what social security is useful, but what is the impact of each type of insurance, when it will be reimbursed, and when it will be cut, is completely vague and separate from the rules of good conduct。
(i) old-age insurance: two key bottom lines for determining later income must not be forgotten
1. Minimum of 15 years is the pension threshold and is not paid until the full amount of contributions is paid
Maximum error on the internet: 15 years of direct suspension. The policy provides for 15 years to receive money and does not mean that it is not necessary to continue paying. The longer the contribution period, the higher the contribution base, the greater the difference in the monthly pension, the same 15 years of contribution at the lowest and highest levels, the difference of the pension of one or two thousand。
2. Dismissals are not zero and cumulatively calculated
There is no default in pension insurance, and the principal, interest and interest in the personal account are permanently retained, even if it is not paid for 10 years, in full. However, the historical arrears of flexible employment are largely non-refundable and can only be renewed from now on, with the number of years outstanding in the early years of service, and the provision of a labour contract and a flow of wages to apply for such contributions。
3. Inter-provincial work must be transferred
Multi-participatory insurance does not proactively transfer, the system is not automatically aggregated, and contributions and personal account balances are reduced by retirement accounting. Online, 12333 national social security public service platforms are able to apply for a transfer, without going out of the country, for a period of one to two months automatically; underline id cards and social security cards are processed directly in the current security window。
(ii) medical insurance: the highest rates of use and the highest levels of pittance, all of which focus on physical exercise
1. Discontinuation affects successive payments and does not result in the liquidation of personal account balances
The money in the personal account is always personal and can be used for medicines, outpatients and hospitalizations; however, the cut-off exceeds the time limit set locally (mostly three months), the years of continuous contributions are zero, the percentage of hospitalization claims is reduced, the threshold for major sickness insurance is increased, and the full cost of medical care is spent during the break-up period。
2. The whole family of the individual account is available after the reform of the outpatient solidarity
The employee health insurance personal account balance can be bought for the spouse, parents, children, out-patient settlement, no need to save for hospitalization, and the idle balance is used without loss。
3. Retirement from old-age pension insurance, with two separate systems
Many people have enough to retire for 15 years, neglecting the length of their health insurance and, as a result, continue to do so on a monthly basis. Men's health insurance covers a total of 25 to 30 years and women 20 to 25 years before they retire from health insurance, free of payment for life, subject to local social security documents。
4. Off-site medical treatment without the need to record a case legs
In the country, a direct settlement is made across the province, with long-term residence, work, online filing, direct reimbursement for hospital discharges, and manual reimbursement back to the domicile without advance for all medical expenses。
(iii) unemployment insurance: available upon separation from service, subject to mandatory conditions
Unemployment benefit is payable without resignation, and the window identifies two mandatory criteria: one year's unemployment insurance paid by the unit, non-active separation from service (retrenchment, non-renewal of contract due to expiration of contract, dismissal of the unit in violation of contract)。
No person who resigns voluntarily can claim unemployment benefit. During the period of receipt of unemployment benefit, health insurance is paid by the unemployment fund, without personal contributions and free of charge for vocational skills training. Unemployment relations support trans-provincial transfers, with cumulative years。
(iv) employment injury insurance: full unit contribution, no individual
As long as there is a labour relationship with the employer, the employer is obliged to pay work injury insurance, without any deduction by the individual. Traffic accidents on the way to and from work, injuries at work, occupational diseases are reimbursed for work injuries, and medical expenses, disability benefits, and wages paid for work stoppages are fully covered by the injury fund。
Special attention is drawn to the fact that individuals in flexible employment are insured, are unable to pay their employment injury insurance alone, that freelancers are injured at work and have no job injury protection。
(v) maternity insurance: incorporated into employee health insurance, with two main differences
Maternity insurance is now integrated into the employee's health insurance, and is available for normal unit contributions, which are not paid by individuals. The period of continuous payment (9 to 12 months) is covered by the maternity check-up, childbirth surgery and maternity allowance。
Maternity benefits are calculated on the basis of the average unit wage and are not duplicated during maternity leave; the spouse of a male employee has no social security and is entitled to separate reimbursement of maternity medical expenses and no maternity allowance。
Iii. Flex-employment protection, cash-saving subsidies and insurance arrangements
The largest number of window consultations is now available for out-sale, internet-based vehicles, and the large number of flexible persons employed by self-employed persons, how social security is paid and subsidized。
1. Free access to flexible employment, free from card registration, nationwide, 2026
An employee's old-age pension and employee's medical insurance at the place of work can be paid on the basis of an identity card or a residence permit, without having to return to his or her home country of residence, and on a monthly, quarterly or annual basis, with the basis of free local choice。
2. Social security benefit of 4050 (opportunity allowance), which saves a large amount of money
A woman who has reached the age of 40 and a man has reached the age of 50, has completed the registration of unemployment, has been registered for flexible employment and has contributed to the social security of the employee on her own. Low-income, disabled and landless farmers are not subject to age restrictions and are equally eligible for benefits。
3. Comparison of insurance schemes for flexible employment, as required
Programme i: employees old age + employee health insurance. (b) high retirement pensions, high rates of health insurance reimbursement, and a preference for stable economic conditions
Programme ii: old-age pension + health insurance for residents only. The annual contribution of several hundred dollars is minimal and suitable for low-income, short-term transitions。
It is not recommended that employees should not pay for their old age, and the risk is high in the event of sickness。
Iv. Social security transfers, consolidation of complete processes, double channels online and offline, and the prevention of unfairness
The transfer process is uniform throughout the country and is not used for the return journey, regardless of whether the job is transferred across the province or the employee's social security。
Online (recommended, not available)
1. Opens a public service platform of 12333 app or the state social insurance, with face recognition
2. Selecting the pension insurance/medical insurance relationship transfer operation and filling out the information on participation in the insurance
3. The system automatically reviews the subdivisions of the two places, text messages after closure, and the personal accounts are automatically consolidated。
Underline window processing
Carry your identity card, social security card and go to the social security window of the currently insured territorial hall to fill out the transfer application form; if there is a double payment, apply for a parallel duplicate refund and return the extra money。
A key reminder is that persons who have started to receive old-age pensions and pensions for residents are no longer eligible for social security transfers。
V. High-frequency social security rumours spread over the internet, and every one of them from the iess scene
Every day in this hall, people are misled by false information from the internet, and today all the most widely disseminated rumours are clarified, and short videos like this are not required:
1. Rumours that old-age insurance payments were cut off for three years and that all previous payments had been zero
Truth: the personal accounts for old-age pensions are permanently maintained, the number of years is accumulated, there is no zero rule, and only the successive years of reimbursement of health insurance are affected by default。
2. Rumours of immediate retirement payments after 15 years of retirement
Truth: only the minimum years of contributory service must be met, the legal retirement age must be met, and early retirement must be in line with the special type of work and sickness retirement policy。
Rumours: flexible employment allows for lump-sum contributions to multi-year pension insurance
Truth: the national policy of tightening the payback is such that the vast majority of regions do not allow the payment of the arrears for flexible employment in previous years, which can only be renewed。
4. Rumours that workers'social security and the number of years of old-age for residents can be converted to each other
The truth is that workers retire after 15 years of old age, and that the number of years of old age is not counted; the number of years of service can only be calculated in combination if they have less than 15 years of old age。
5. Rumours that social security institutions are affiliated to the same scheme as regular employees
The truth: it is an offence to rely on surrogate contributions for an unreal labour relationship, which, if it is found that the record of the contributions is invalid, is also suspected of fraudulent social security treatment and is extremely risky。
Vi. Retirees must be handled in a practical manner, checking these three items before signing and avoiding a monthly shortfall money
A number of people signed directly into the retirement age, subsequently discovered pension accounting errors, then modified the process complex, and window staff recommended three elements for reconciliation upon retirement:
1. Reconciliation of the base, average contribution index for calendar years
The system entry is prone to the loss of data on the lower base figure and trans-provincial transfers, the direct reduction of the monthly pension by several hundred yuan in the year of the high base, the on-site reconciliation of the breakdown of contributions and the immediate correction of errors。
2. Reconciling files with years of contributory service
The early years of service in state enterprises and establishments are defined as years of contributory service, which directly increases the transitional pension, and the absence of archival materials and the unincruited length of service perpetuates the loss of benefits and must be fully verified。
3. Individual recognition of the cumulative length of staff health insurance
At the same time as retirements, health insurance contributions are simultaneously accounted for, and less than a full period of time opts to pay back or continue on a monthly basis, thus avoiding the loss of life-long health insurance benefits after retirement。
Vii. Practical recommendations for social security planning for the general population, with reasonable participation in the context of their circumstances
1. Active staff: do not voluntarily default, pay the unit's five insurance risks normally, and renew the insurance in a timely manner after separation from service, so as to ensure, as far as possible, continuous medical coverage
2. Flexible employment, income stability between the ages of 30 and 50: old-age pension for priority workers and health insurance for workers, and the timely application of 4050 benefits to reduce the burden
3. Low-income, short-term transition population: old-age options for residents plus minimum medical coverage, and income-upgrading social security
4. Less than 15 years of retirement: priority is given to extending contributions to a maximum of 15 years, so as not to transfer them to old age, with a marked difference in pensions between the two systems
5. Frequent inter-provincial job changes: every time you work in a city, you process a social security transfer in a timely manner after you leave the service, and avoid many gaps in insurance records after many years。
It was only in the social security hall today that a large number of people have paid social security for more than a decade, with basic rules and procedures completely unknown, loss of benefits and treatment。
Are you currently a unit employee social security or are you flexible enough to work for yourself? Have there been any cases of social security defaults, relocations, retirement accounting pits? Which rules do you think are the easiest to confuse? You are welcome to share your experiences in the comments section。
Carnation note: this document is based on the social security act and the national unified policy section of the human security and health services, with slight differences in the number of contributory periods, allowances, length of health insurance, depending on the latest regulations of the local social security service window。
