We often see people on the Internet saying that the transfer of pension insurance can only be transferred to individuals. Is the answer really like this? Can the transfer of old-age insurance really only transfer personal parts?

Can the pension insurance transfer only be transferred to the personal part?

Endowment insurance can transfer both the individual part and the unit contribution part. However, whether and how much the unit contribution can be transferred has no effect on the amount of individual pension.

According to Article 4 of the Notice of the General Office of the State Council on Forwarding the Interim Measures of Ministry of Human Resources and Social Security and the Ministry of Finance on the Transfer and Continuation of the Basic Old-age Insurance for Employees in Urban Enterprises issued by the General Office of the State Council in 2009, the payment of the transfer unit is: based on the actual payment salary in the following years, 1.998/and transferred according to the sum of 1 2%, which means that the insurance payment is insufficient.

So why do you come to the conclusion that the unit payment cannot be transferred?

The reason is that there are two accounts for pension, the individual account is deposited in the individual contribution part, and the overall account is deposited in the unit contribution part. On the surface, when individuals transfer old-age insurance, they don't transfer the unit payment. In fact, the unit payment is transferred between two overall planning areas and does not enter the personal account. When retiring to receive a pension, the basic pension is paid by the overall fund of the place where the benefits are received, and the pension benefits that can be received are not affected.