Details are as follows:
First of all, you can check the pension laws and policies in your country. Understand the state's pension provisions for the unemployed, and whether there are special policies and procedures. You can consult local pension institutions or government departments, who can provide detailed information and guidance.
Secondly, we can consider voluntary pension payment. Even without an employer, you can still pay your pension. You can ask the old-age care institutions how to pay voluntarily to understand the related costs and processes. Voluntary pension payment can ensure that you enjoy certain pension benefits after retirement.
In addition, you can also consider other retirement plans and investment methods. In addition to pensions, we can explore other retirement savings plans, such as personal pension accounts, investment and financial management. These plans can help you get extra income and benefits after retirement.
Finally, it is recommended to consult a professional financial consultant or lawyer, who can provide personalized advice and planning according to the specific situation. They can help solve complex pension problems and make appropriate retirement plans.
At present, there are three kinds of social endowment insurance in China:
First, the endowment insurance for urban employees is paid by both enterprises and employees, and the rate is relatively high. General units pay 20% and individuals pay 8%. Must be paid to the statutory retirement age, and no interruption is allowed. The retirement fee obtained is correspondingly high, which is mandatory by the state and must be paid.
Second, urban flexible employment pension insurance, voluntary participation, payment 15 years or more, reaching the legal age can go through the formalities of receiving pension, the rate is 20% of the average social wage, of which 8% goes into personal accounts, and the calculation method of receiving pension is the same as that of urban workers, with no difference.
Third, the old-age insurance for urban residents and rural residents is paid annually, with low payment and low treatment. Payment/kloc-more than 0/5 years, reaching the legal pension age.
To sum up, it is very important to ensure the payment of pensions during the unemployment period two years before retirement. Relevant policies and requirements can be consulted with the local social security bureau. At the same time, voluntary payment of endowment insurance is a way to ensure continuous payment, and you can apply to the Social Insurance Bureau for insurance. In addition, finding a part-time job or starting your own business can also maintain the qualification of endowment insurance. Consult a professional financial consultant or lawyer for more specific suggestions and plans. Keeping abreast of policy changes and keeping in touch with relevant departments is the key to ensure pension payment. The payment of pension is very important to the quality of retirement life.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 10
Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium.
Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.
The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.
Article 50
The employing unit shall issue a certificate of termination or dissolution of labor relations for the unemployed in time, and inform the social insurance agency of the list of unemployed persons within fifteen days from the date of termination or dissolution of labor relations.
Unemployed persons shall, with the certificate of termination or rescission of labor relations issued by their own units, go to the designated public employment service institutions for unemployment registration in time.
Unemployed people with unemployment registration certificate and personal identity documents, to the social insurance agencies to receive unemployment insurance procedures. The time limit for receiving unemployment insurance benefits shall be calculated from the date of unemployment registration.