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As long as the IELTS goes through the other procedures first, it is best to go to a training center that has IELTS for you, which can help you for free.
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Yes, as long as you have not joined the nationality of another country, you are still a Chinese citizen, and you can enjoy the benefits in China.
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If you get a foreign permanent residence status, you have the right of permanent residence, and you can live abroad for an unlimited time, but your status is still a Chinese citizen, and your pension can be taken as usual.
The Ministry of Personnel and the Ministry of Labor and Social Security issued the Notice on Issues Concerning the Handling of Certificates of Residence for Retired and Retired Personnel (Wai Linghan [2007] No. 35), which stipulates that "retirement allowance, retirement living allowance or pension shall still be paid by the relevant domestic departments".
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The question is whether there were any procedures when you went abroad, and what type of procedures were you going through. According to the relevant regulations, after the expiration of the period of going abroad, if you do not apply for another extension and do not return to your home country to participate in the work, you will be treated as automatic resignation according to the provisions of the document. How to go through the retirement procedures for those who have left the company?
Article 88 of the Civil Servants Law of the People's Republic of China Where a civil servant meets any of the following conditions, he or she voluntarily submits an application and may retire early with the approval of the appointment and removal organ:
1) The number of years of service is 30 years or more;
2) Less than five years from the retirement age prescribed by the state, and having worked for 20 years or more;
3) Other circumstances that meet the requirements of the state and may lead to early retirement.
Article 89: After retirement, civil servants shall enjoy the pension and other benefits provided for by the State, and the State shall provide them with necessary services and assistance for their life and health, and shall encourage them to give full play to their personal expertise and participate in social development.
Since I was going through the resignation procedures at that time, not early retirement, the possibility of getting it back is very small. If you resign before the promulgation of the Civil Servants Law (January 1, 2006), you can also file an administrative reconsideration in accordance with the Interim Regulations on Civil Servants and relevant local regulations: "If the length of service reaches 20 years, a lump sum compensation may be given with reference to the salary standard for early retirement upon approval", and request a lump sum compensation.
The future is not possible.
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As long as you do not join Canada International and retain your Chinese nationality, you are still entitled to a pension as a Chinese citizen.
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Many specific data are uncertain, and it is impossible to calculate how much basic pension a person can receive when he retires.
The calculation of the basic pension for retirement of workers involves many factors such as the number of years of payment, the wage index, the amount of personal account savings, the retirement age, and the average salary of employees in the overall area of the previous year at the time of retirement.
Social Insurance Act
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.
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Hello, the previous position is different, and the pension is also different.
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The amount of the pension depends on how long he has been contributing, what level of pension he has paid to, and what the average salary in his area is. According to the pension payment rules before 2020, the pension is generally the same as the local minimum wage, and cannot exceed three times the local average wage.
01. Pension is affected by the number of years of payment. The impact of the number of years of contribution on the amount of pension is very large, because there is a very simple and direct principle of pension payment, that is, pay more and get less. Under this rule, the more years of contributions, the greater the total amount of pension contributions, according to the pension algorithm, the state will multiply this total by a base, divided by a certain year.
This year is generally the average life expectancy minus the age of the contributor at retirement, so as long as you contribute more, the greater your dividing value will be, and the average to each month will be larger.
02. The grade of payment is also very important. Again, pay more, pay less, the higher the level of payment, the more pension you pay, and the more you receive, the more pension you receive. However, the level of pension you pay is not decided by you, but by your company, and ordinary people are not qualified to negotiate with the company which unit to pay for their pension.
Therefore, most of them can only choose a better enterprise, but no matter what, private enterprises are basically not as high as the civil servants of state-owned enterprises, which is why many people would rather work in state-owned enterprises with low wages.
Although the salary is small when he is young, after retirement, the salary is much more than that of other peers, and it is relatively stable in state-owned enterprises, and the payment period is also guaranteed.
03. The amount of pension is related to the average local salary. As mentioned above, there is a cap on the amount of pensions, which generally cannot exceed three times the average local wage, and the logic of this setting and the pension mechanism itself is determined by a social security rather than a profit-making institution.
After all, we are a socialist country that is people-oriented and should do things to serve the people, not to cause trouble to the people, so in 2020, the pension reform began.
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Organs and institutions receive wages according to their job titles when they are on the job, and no matter how good their work performance is, they are also paid according to their job titles. Enterprises are paid according to economic benefits and personal work performance. Institutions and institutions are not the same distribution mechanism, not the same way, retirement income is naturally different!
When you show your skills when you are on the job, choose a company with better economic benefits, and you will definitely have a relatively high income if you are not lazy, and your pension will naturally be high. Otherwise, you should get a low wage!
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Calculation method of wages of enterprise employees who retired in 2018:
Personnel who participate in the social co-ordination of the basic old-age insurance for employees of municipal and urban enterprises, reach the retirement age stipulated by the state, and the actual payment period (including the deemed payment period, the same below) is more than 15 years, and the basic pension shall be calculated and paid on a monthly basis.
According to the latest pension calculation method, the pension of employees at retirement consists of two parts:
Pension = basic pension personal account pension.
Personal account pension = personal account savings The number of months (50 years old is 139, and it is no longer 120) basic pension = (the average monthly salary of the province's on-the-job employees in the previous year, the indexed average monthly salary of the person) 2 The payment period 1% = the average monthly salary of the province's on-the-job employees in the previous year (1 person's average payment index) 2 The payment period is 1%.
Second, the conditions for receiving pensions are different and the ways of receiving them are different.
In response to the social security payment rate, the relevant staff of the Municipal Human Resources and Social Security Bureau said that the Ministry of Human Resources and Social Security has made it clear that the phased reduction of social insurance rates will not affect social insurance benefits.
From the point of view of the place of receipt, if the basic endowment insurance relationship is in the place of household registration, it will be received locally. If you work in a certain place but your hukou is not in the local area, you must have paid contributions locally for 10 years (15 years nationwide) before you can receive a local pension. If the cumulative payment period is less than 10 years in each insured place (non-household registration place), the pension relationship must be transferred to the place of household registration to receive it.
3. The basic pension consists of two parts.
The money for the pension is divided into two parts: the basic pension and the personal account pension.
The monthly standard of basic pension at the time of retirement is based on the average monthly salary of the local on-the-job employees in the previous year and the average indexed monthly contribution salary of the employee, and 1% is paid for every full year of contribution. If expressed by formula, the basic pension = [(C1X) 2] N 1%, where C1 is the average monthly salary of local on-the-job employees in the previous year, X is the average indexed monthly contribution salary of the person, and N is the payment period at retirement.
The monthly standard of personal account pension is the amount of personal account savings divided by the number of months, which is determined according to the average life expectancy of the urban population at the time of retirement, the retirement age, interest and other factors. To put it simply, it is the amount of savings in your pension personal account at the time of retirement, divided by the number of months of payment. There are two issues involved:
First, the amount of savings in your personal account depends on your salary and payment period; Second, how to calculate the number of months depends on the retirement age.
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Generally, after the retirement of the enterprise, the pension that can be obtained varies from person to person, but the pension treatment is mainly related to four factors:
1. The length of the payment period.
Whether to pay for 15 years or 30 years will directly affect the pension benefits after retirement. However, 15 years of contributions is only the minimum number of years required to be entitled to a pension.
2. The level of payment.
The level of contribution will also directly affect the pension treatment after retirement.
3. The average social wage at retirement.
It should be noted that the average social wage refers to the amount of monetary wages received per person per employee of an enterprise, institution, or government agency in a certain period of time.
4. Affected by retirement age.
Whether you retire at the age of 55 or at the age of 60, when calculating the pension in the personal account, the number of months divided is different. The later the retirement age, the smaller the number of months, and the personal account pension may be slightly higher.
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The general enterprise retirees, how much money can be paid, this depends on the payment age, the total amount of social security personal account, the average social salary, and the monthly payment of the person, retirement age. Control the consumption level of various regions of the country is not the same, the price level is different, the retirement salary is not the same, under normal circumstances, the state is adjusting the pension of retired employees of enterprises every year, according to the level of economic development across the country, the price index and other conditions are adjusted, sometimes much longer, sometimes less long. And the retirement salary varies greatly depending on the place of work.
For example, my upstairs husband and wife, the husband worked in a power plant before retirement, and his retirement salary was almost nearly 10,000 yuan, and he had 40 years of service, because the unit was better, and the benefits were good, such as the Mid-Autumn Festival and the National Day, and there were condolences and condolences, and the state and the unit still took good care of them.
His lover is also a retired worker, because he is not in a factory, he works in other factories, and his retirement salary is about 3,800, which is after the salary increase, and it was even less before.
Another aunt I know, who used to work in a restaurant, was laid off and retired early, just retired to more than 1,000, and now almost 2,800. The retirement salary of a good unit is high, and the salary of a high position before retirement is also high, and this cannot be egalitarian. Retirees are much better than we go to work, and sometimes we go to work, and if the factory is not efficient, we don't get as much money as retirees.
This is also a good policy for the state to take care of retirees, so that they can take care of them in their old age without worrying about their livelihood in their old age. So that retirees, when they are old, have a good home, when they are in good health, dance, travel all over the country, it is really a happy old age.
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Putting aside the situation of civil servants and public institutions, let's only talk about the pension of employees of ordinary enterprises. First of all, the definition of pension refers to the pension insurance among the five types of social insuranceIn fact, this is composed of a part of the employee's own contribution at work and a part of the company's payment, and then the state pays it to the old retired workersAccording to the current legislation, the retirement age is 60 years for men and 55 years for women (except in exceptional cases).
So what is the standard for the payment of pension to employees of enterprises? Here's a formula: EnterpriseRetirement pension of employees of the business unit = basic pension + personal pension + transitional pension (there was no social security before 96 years, and it was calculated according to the deemed length of service).
Among them, the basic pension is calculated based on the average salary and payment period of your province in the previous yearThe personal pension is obtained by dividing the money in your personal account by a different base (divided into men and women and incumbency), and the transitional pension is the average salary of the province in the previous year and your years of service before 96 years, the base is multiplied.
Then we can find outThis retirement salary is mainly closely related to the average salary of the local society, the number of years of payment, the payment base, and the balance of personal accountsFor people in different regions, different types of jobs and different positions, the gap in pensions after retirement is also very large.
So when you see this, you should understand that your future pension is closely related to your current employment situationAt least you can look at the contribution base of your current unit, whether it is based on the actual salary or the minimum amount, and this alone will be much worse.
Calculating a pension is a delicate process that tries to be as fair and equitable as possible to convince everyone. After retirement, the retirement salary will be raised every yearSociety is constantly improving, and it will bring more and more benefits to those who have worked hard all their lives.
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