Does Preserving the Time of Paying Social Insurance Affect Pension Reduction?

Based on Article 54 of the 2014 Social Insurance Law, the conditions to enjoy a pension are as follows:

"1. Employees stipulated in points a, b, c, d, g, h, and i clause 1 Article 2 of this Law, except for the case stipulated in clause 3 of this Article, who resign with at least 20 years of paying social insurance premiums are entitled to a pension if they fall into one of the following cases:

a) Male employees are 60 years old, female employees are 55 years old;..."

Furthermore, Article 61 of the 2014 Social Insurance Law stipulates the retention of social insurance payment periods as follows:

Employees who resign without meeting the conditions to enjoy a pension as stipulated in Articles 54 and 55 of this Law or have not received a one-time social insurance payment as stipulated in Article 60 of this Law are entitled to retain the period of social insurance payment.

Thus, when you resign without being old enough to enjoy a pension, you have the right to retain the period of social insurance payment until you meet the conditions (reach the required age) to enjoy the pension.

And when you retain the period of social insurance payment, you will not have a reduction in the percentage of the pension amount received as stipulated.

The editorial board responds to you.