1. How to deal with the pension and provident fund if you are not naturalized (holding a green card or permanent residence card in the country of immigration)

1. If you want to withdraw the pension and provident fund at one time, you must have proof of cancellation of your account, so you must consider whether you need to cancel your account before you become naturalized.

2. If you are not naturalized and your account has not been cancelled, you still hold a China passport. Before reaching the statutory retirement age, those who have settled abroad without obtaining the nationality of their country of residence will continue to retain their basic old-age insurance relationship, and will be dealt with according to the relevant regulations when the employees meet the retirement conditions.

3. China's Ministry of Foreign Affairs, Ministry of Finance, Ministry of Personnel, Ministry of Labor and Social Security and other four ministries and commissions jointly issued a notice, and from April 1, 27, the system of living certificates for retired people who have settled overseas for many years will be greatly reformed.

It is understood that with the continuous expansion of China's foreign exchanges, more and more retired and resigned people have settled overseas.

As the retirement expenses, retirement living expenses or pensions of the above-mentioned personnel are still paid by the domestic departments in China, the parties concerned need to go to the foreign embassies and consulates in China regularly to issue "living certificates" and provide them to the relevant domestic departments to receive pensions, retirement living expenses and pensions.

From April 1st, 216, overseas retirees will go to China's embassies and consulates abroad to apply for health certificates for receiving pensions in China, and the embassies and consulates will issue a "confirmation form for retirees who have settled abroad" instead of the original "notarization of health". The advantage of the new method is that retirees can get health certificates on the day they go to the embassy or consulate, and they are also allowed to entrust them, and all procedures are handled free of charge.

under the framework of unified national laws and regulations, the implementation rules are slightly different from place to place, which is more general:

1. How to deal with the personal account of the social medical insurance object when it changes jobs or settles abroad?

if the insured person changes his job, the unit where he works will go through the personal account transfer formalities with the local medical insurance institution with the relevant certificates and the Employee's Medical Social Insurance Manual. Any unpaid or missed social insurance premium shall be paid by the original unit, otherwise the receiving unit will pay it back; If the insured person has settled abroad and there is still a balance in his personal account, the general practice in various places is to send it to him at one time, and the required information is the same as above.

2. Employees of returned overseas Chinese and their relatives who have participated in the basic old-age insurance and fail to meet the old-age conditions stipulated by the state and relevant cities, after being allowed to leave the country for settlement, will be returned to themselves in one lump sum on the basis of their own application and the immigrant visa approved by the country of settlement. At the same time, their old-age insurance relationship with social insurance agencies will be terminated and they will no longer enjoy the basic old-age insurance benefits (although it is stipulated in some places that they cannot be withdrawn until they are naturalized in other countries).

3. The legal retirement age

refers to the retirement age stipulated in the Interim Measures of the State Council on Resettlement of Old, Weak, Sick and Disabled Cadres and the Interim Measures of the State Council on Retirement and Resignation of Workers (Guo Fa [1978] No.14), which were approved in principle by the Second Session of the Fifth the NPC Standing Committee on May 24, 1978 and are still valid. Resolutely handling the retirement and resignation of employees according to the statutory retirement age of the state is the fundamental guarantee for safeguarding the legitimate rights and interests of employees and their labor rights. The Notice of the General Office of the State Council on Further Improving the Basic Living Security for Laid-off Workers from State-owned Enterprises and the Pension Payment for Retired Persons from Enterprises (No.1 [1999] of the State Council) reiterated the provisions of Document No.14 [1978] of the State Council.

In order to implement Document No.1 of the General Office of the State Council, the Ministry of Labor and Social Security issued the Notice on Stopping and Correcting Issues Concerning Handling Early Retirement of Enterprise Employees in Violation of State Regulations on March 9, 1999 (No.8 [1999] of the Ministry of Labor and Social Security), which pointed out that the legal retirement age of enterprise employees in the country is 6 years for men, 5 years for women workers and 55 years for women cadres. Engaged in underground, high temperature, high altitude, especially heavy manual labor or other jobs harmful to health, the retirement age is 55 years old for men and 45 years old for women, and the retirement age is 5 years old for men and 45 years old for women who are disabled due to illness or non-work-related injuries and are completely incapacitated by the hospital and confirmed by the labor appraisal committee.

according to the relevant regulations of the state, the scope of early retirement is only limited to the employees who are less than five years away from the statutory retirement age in the state-owned bankrupt industrial enterprises in the 111 pilot cities of "optimizing capital structure" identified in the State Council and the car-stopping workers who meet the requirements in the spinning and weaving jobs in the state-owned textile enterprises with spindle pressing tasks within three years. However, this provision and the provisions of the preceding paragraph cannot be applied to the same employee at the same time.

in violation of the above provisions, it is illegal to handle early retirement and resignation for employees, and all of them must be corrected immediately. In the future, any enterprise that violates the provisions of the state to handle early retirement or resignation for its employees shall be investigated for the responsibility of the relevant leaders and parties, and those who have handled early retirement or resignation shall be returned to the enterprise.

4. Retirement benefits for overseas settlers

(1) Returned overseas Chinese and their relatives who have participated in the basic old-age insurance and meet the requirements for receiving the basic old-age insurance can continue to receive the basic old-age pension after they leave the country to settle down.

(2) Retirees overseas enjoy the same treatment as retirees at home.

(3) method of receiving pension for those who have settled overseas: receiving pension on their behalf through relatives in China; I entrust banks and post offices to conduct international transfer business for them.

(4) In order to ensure that pensions are distributed to individuals, retirees who have settled abroad should provide once a year a residence certificate issued by the Chinese embassy or consulate in that country to the social insurance agency responsible for their basic pensions, and a certificate issued by the local notary office in countries that have not established diplomatic relations with China.

Note: This means that "retirees overseas enjoy the same treatment as retirees at home":

(1) It refers to settlers who go overseas after retirement

(2) It also refers to overseas settlers who have moved overseas and retired before naturalization.

II. How to deal with the pension and provident fund after naturalization

If you have already become a citizen of an immigrant country and have a passport from that country, you can't take out the pension and provident fund at one time. Since the domestic pension and provident fund are linked to the household registration (that is, ID card), you have to go to the police station in registered permanent residence for cancellation before you can handle the pension and provident fund matters.

provident fund

1. Provident fund card

At present, domestic companies will handle provident fund cards for employees after handling provident fund accounts for them, and this card is used to inquire whether they pay fees or cancel accounts. Therefore, if you have never applied for a provident fund card before you immigrate, you must go to the provident fund management center to get a form "Personal Application Form for Housing Provident Fund Card (Card Replacement)", and then take this form to the original unit (that is, the unit that paid the provident fund for you for the last time) to stamp it.

after stamping, take this application form to the provident fund management center to apply for the provident fund card. At the same time, you must take the original and photocopy of your foreign passport, the original and photocopy of the cancellation certificate, the photocopy of your ID card or the photocopy of your China passport (because when registered permanent residence cancels, your ID card needs to be handed in, so if the window staff asks you for the original ID card, you need to explain it. I suggest that you make more copies before handing in your ID card. The reason why you need a copy of your ID card or China passport is that although you have a foreign passport to prove your identity, the provident fund management center also needs an ID card to prove that you are the person on the passport. If you don't have an ID card, a China passport will do. )

after reading these materials, the staff will apply for a provident fund card for you, and you can only get this card after more than ten working days, and then you can handle the account cancellation with this card.

2. When you cancel the account of the provident fund

In addition to the provident fund card, you should also take the original and photocopy of the foreign passport, the original and photocopy of the account cancellation certificate, the photocopy of the ID card or the photocopy of the China passport. After the final approval of the provident fund management center, they will cancel the account and take out all the provident fund in the account for you.

Pension and medical insurance

As pension and medical insurance have been collectively referred to as social security in China (generally working in one building), in order to withdraw all the pension, it is necessary to go through the formalities of canceling the account of medical insurance first.

1. medical insurance account cancellation

in order to cancel the medical insurance account (that is, take out the money in the medical insurance at one time), in addition to the original and photocopy of the foreign passport and the original and photocopy of the cancellation certificate, you must also have the certificate of termination of the contract from the original unit. If not, you have to take the "roster of basic medical insurance reduction personnel" at the medical insurance center to go through the relevant certification procedures at the original unit to prove that you have terminated the contract with the original unit.

Even if you have spent all the money in your medical insurance card before going abroad, if you want to withdraw the money from the old-age insurance at one time, you must go through the formalities of canceling the medical insurance account. If you can't get the contract cancellation certificate from your original company, you have to pay all the unpaid medical insurance before the account cancellation time, and then you can cancel the account (for example, if you immigrated in 21 and returned to registered permanent residence to cancel in 215, you have to pay all the medical insurance from 21 to 215)

2. Retirement of pension accounts

Medical insurance cancellation is a prerequisite. Then take the original and photocopy of foreign passport, the original and photocopy of cancellation account certificate, the photocopy of ID card and the employee pension manual, print out the details of individual account payment at the pension insurance center, and then go to the personnel department of the original unit to ask the person in charge of pension insurance to open a special receipt for social security fund and affix the official seal of the unit, and then take all the materials to the pension insurance center for review. Finally, the endowment insurance center will put the money in your account into the original unit account at one time, and then you will go to the original unit to get the money.

After completing the above procedures, you will no longer enjoy the housing provident fund system and pension system in China.

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