Sihai network

What should I do if I want to take out the pension after leaving my job? Can I withdraw the endowmen

now many young people change jobs very frequently. Many people are confused about leaving their jobs. What should we do if we want to take out the pension? Can I withdraw the endowment insurance after resignation? Let's have a look.

the endowment insurance paid by the company has resigned and cannot be withdrawn.

Before reaching the age of receiving endowment insurance benefits, the basic endowment insurance relationship shall not be terminated and the surrender formalities shall not be handled.

The basic endowment insurance premium paid cannot be withdrawn in advance, but it can be paid in one time if it meets one of the following conditions:

1. When the individual participating in the basic endowment insurance of employees reaches the legal retirement age and the accumulative payment is less than 15 years (including the extension of payment in accordance with the provisions of Article 2), and has not transferred into the new rural social endowment insurance or the social endowment insurance of urban residents, the individual may apply in writing to terminate the basic endowment insurance relationship of employees.

2. After receiving the application, the social insurance agency shall inform in writing its right to transfer into the new rural social endowment insurance or the social endowment insurance of urban residents and the consequences of terminating the basic endowment insurance relationship of employees. After I confirm in writing, the basic endowment insurance relationship of its employees shall be terminated, and the amount of personal account shall be paid to me in a lump sum.

3. The individual account of basic endowment insurance for employees shall not be withdrawn in advance. If an individual leaves the country and settles down before reaching the statutory conditions for receiving basic pension, his / her personal account shall be kept. When reaching the statutory conditions for receiving pension, he / she shall enjoy the corresponding pension insurance treatment in accordance with the state regulations.

Extended data:

Basic functions of endowment insurance

Endowment insurance is based on the living security of the elderly as an indicator. It establishes an insurance fund by means of redistribution or savings to pay for the living expenses of the elderly. Its implementation has the following functions:

To ensure labor reproduction

Through the establishment of the endowment insurance system, it is conducive to the normal intergenerational replacement of the labor group, the retirement of the elderly, the smooth employment of the new growing labor force, and the rationalization of the employment structure.

Conducive to social security and stability

Endowment insurance provides the basic life security for the elderly, and makes the elderly have security. With the arrival of the aging population, the proportion of the elderly population is increasing, and the number of people is also increasing. Pension insurance ensures the basic life of the elderly workers, which is equal to the basic life of a considerable part of the society.

For on-the-job workers, to participate in endowment insurance means that they have expectations for their future life in old age and avoid worries. From the perspective of social psychology, people are more stable and less impetuous, which is conducive to social stability.

Conducive to economic development

Most countries design endowment insurance systems to link fairness with efficiency, especially the pension raising mode of partial accumulation and full accumulation.

There is a direct relationship between the amount of pension after retirement and the wage income and payment during the period of working, which can undoubtedly produce a kind of active labor and improve efficiency.