Can I retire without pension insurance after being unemployed?

Retirement after an employee reaches the retirement age means that the employee goes through the procedures for receiving pension insurance benefits. If the employee does not pay the pension insurance, he can still retire, but he cannot receive the pension insurance.

In accordance with the Social Insurance Law

Article 15 The basic pension consists of a pooled pension and a personal account pension.

The basic pension is determined according to factors such as the cumulative number of years of individual contributions, the contribution salary, the average salary of local employees, the amount of personal accounts, and the average life expectancy of the urban population.

Article 16 Individuals participating in the basic endowment insurance who have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Article 17 If an individual participating in the basic endowment insurance dies due to illness or non-work-related reasons, his surviving family members may receive funeral subsidies and pensions; Those who completely lose their ability to work due to illness or non-work-related disability when they have not reached the statutory retirement age may receive sickness and disability allowance. The required funds are paid out of the basic pension insurance**.

What you said is not very clear, if you have never participated in the insurance payment during the employment period, whether you are unemployed or employed, as long as you do not participate in the insurance payment, you have the final say on retirement or not, and there is no pension anyway.

Legal analysis: If you have not received unemployment insurance, the part of your personal contribution will not be refunded when you retire. According to the Regulations on Unemployment Insurance, unemployment insurance** is used to issue unemployment insurance money, etc., and will not be refunded.

Legal basis: Article 10 of the Regulations on Unemployment Insurance** Unemployment insurance is used for the following expenses:

1) Unemployment insurance benefits;

2) Medical subsidies during the period of receiving unemployment insurance benefits;

3) Funeral allowance for an unemployed person who dies while receiving unemployment insurance money and a pension for his or her dependent spouse or immediate family member;

4) Subsidies for receiving vocational training and employment introduction during the period of receiving unemployment insurance money, and the methods and standards of subsidies shall be prescribed by the people of provinces, autonomous regions and municipalities directly under the Central Government;

5) Other expenses stipulated or approved in connection with the unemployment insurance base.

Legal Analysis: Not Submitted. Unemployment insurance is a social insurance paid to workers of working age on a single hail basis, provided that the worker must be within the legal working age range.

For retirees, who have exceeded the legal working age, there is no unemployment insurance in Xiangfengchen, and retirees will not be at risk of unemployment. Therefore, after retirement, unemployment insurance is no longer paid.

Legal basis: Article 6 of the Regulations on Unemployment Insurance: Urban enterprises and institutions shall pay unemployment insurance premiums at the rate of 2% of the total wages of their units.

Employees of urban enterprises and public institutions shall pay unemployment insurance premiums at the rate of 1 percent of their wages. Peasant contract workers recruited by urban enterprises and institutions are not required to pay unemployment insurance premiums.

After retirement, Duan Qianliang cannot receive unemployment insurance money, and unemployment insurance money can only be received under certain circumstances. Unemployment insurance benefits can be received in the following cases:

1.The employer and the person have paid unemployment insurance premiums for one year before becoming unemployed;

2.Interruption of employment not due to the person's will;

3.Have been registered as unemployed and have a request to seek employment.

Legal basis] Article 45 of the Social Insurance Law of the People's Republic of China.

If an unemployed person meets the following conditions, he or she shall receive unemployment insurance benefits from the unemployment insurance premiums:

1) The employer and the person have paid unemployment insurance premiums for one year before becoming unemployed;

2) Interruption of employment not due to the person's will;

3) Have been registered as unemployed and have a request to seek employment.