After moving to Hong Kong, what should I do if the social security in the Mainland has not been paid for 15 years?
How can I get a pension in the future if I have paid for 15 years?
...
Those who want to/have moved to Hong Kong may have many doubts about "mainland social security".
These questions concern three groups of people
? Talented, professional and job-seeking students in Hong Kong.
They can keep their status in the two places within 7 years, and they can keep paying social security.
? One-way pass holders.
One-way permit holders who pass through Hong Kong need to cancel their mainland accounts. They need to find a lawyer in Hong Kong for notarization to prove that their Hong Kong identity and mainland identity belong to the same person, and then go back to the Mainland Social Security Bureau for processing.
? Hong Kong permanent residents.
The operation of the newly transferred permanent residence is similar to that of the one-way permit person. If you want to re-purchase social security, you generally use the Home Return Permit to buy it in a mainland company.
Today Xiaoxing will talk to you about the relationship between Hong Kong identity and mainland social security.
HONGKONG
Hong Kong non-permanent resident
Obtain Hong Kong identity through Hong Kong talents, professionals, advanced studies, etc.
Under these circumstances, if you obtain a Hong Kong identity, you can keep your Mainland ID card. At this stage, you have both a Mainland account and a Hong Kong identity, and you can also enjoy double benefits. Social security and provident funds can be paid as usual.
Go to Hong Kong by "One-way Permit"
This group of people must cancel their mainland hukou and cannot enjoy the benefits of dual hukou.
You can choose to continue to pay the mainland social security or surrender the insurance.
If you continue to pay social security in the Mainland and pay the MPF in Hong Kong, you can receive pensions in both places when you reach the retirement age.
One-way Permit refers to the travel permit for Hong Kong and Macao, which is an entry-exit document issued by the Exit-Entry Administration of the People's Republic of China for mainland residents to apply for settlement in Hong Kong or Macao.
HONGKONG
Permanent Residence in Hong Kong
I have a permanent residence in Hong Kong, but I have not applied for a home return permit
After obtaining Hong Kong permanent resident status, as long as you do not apply for a home return permit, you do not need to cancel your mainland account.
At this time, you still keep your mainland ID card, and you can find a mainland enterprise that is willing to continue to pay social security for you. The benefits, pensions, etc. are the same as mainland residents, and are not affected by Hong Kong permanent residency status.
Take the Hong Kong permanent residence and apply for the Home Return Permit
This situation means that the applicant has cancelled the mainland household registration and has no mainland identity to work and live in the mainland, which is equivalent to going abroad to settle.
At this time, you can choose to cancel or retain the social security account in the mainland. According to the different social security payment years, it can be subdivided into the following two situations:
Social security payment period less than 15 years
Can apply for surrender or retention
According to relevant regulations, if the insured leaves the country to settle down before retirement, the balance stored in the social security personal account can be returned to the insured, and the endowment insurance relationship is terminated at the same time, but the insured can also continue to keep the account.
To surrender, one of four conditions must be met:
? Those who have gone through the formalities for going abroad to settle down and whose household registration has been cancelled by the public security organs in my country;
? Those who have not reached the statutory retirement age and have died, and whose household registration has been cancelled by the public security organs;
? Refundable insurance for repeated participation and termination of labor relationship;
? The insured person has reached retirement age and has not paid for 15 years.
Xiaoxing's suggestion: keep the account. Once the policy is surrendered, the payment period will be re-accumulated.
The social security payment period has reached 15 years
Pension upon retirement age
In this case, even if you have the nationality of another country or the identity of Hong Kong and Macau, as long as you meet the 15-year payment period, you can still apply for retirement and receive a pension in your country.
According to the current policy, the statutory retirement age is:
? Female workers are over 50 years old;
? Female cadres and male workers are over 55 years old;
? Male cadres are over 60 years old;
If you have left the mainland before reaching the retirement age, you can go back to the mainland to retire and receive a pension when you reach the retirement age, and then you can live in Hong Kong.
HONGKONG
Hong Kong residents participating in the Mainland insurance
According to relevant regulations, from January 1, 2020, Hong Kong, Macao and Taiwan residents working, living and studying in the mainland will have social security cards, and like mainland residents, they will have the legal rights to participate in social insurance and enjoy social insurance benefits in accordance with the law.
Hong Kong, Macao and Taiwan residents who participate in pension insurance must accumulate contributions for at least 15 years before they can receive pension after retirement.
Therefore, no matter whether you are a permanent resident or not, whether you have canceled the mainland account or not, it will have no impact on the social security you bought before, and you can apply with confidence.
If you have any other questions, please feel free to contact Nebula International!
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