基本养老保险个人账户

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人社部:领取失业保险金不影响基本养老保险个人账户
证券时报· 2025-05-27 09:04
Core Viewpoint - Receiving unemployment insurance benefits does not reduce the balance in the personal account of basic pension insurance [2]. Summary by Sections Unemployment Insurance Benefits - Workers who have participated in unemployment insurance for at least one year and meet certain conditions can claim unemployment benefits. The duration of benefits depends on the total contribution period: up to 12 months for 1-5 years, 18 months for 5-10 years, and 24 months for over 10 years [3]. Impact on Pension Insurance - During the period of receiving unemployment benefits, individuals can still pay into their basic pension insurance as individuals. The unemployment benefits will not be suspended due to personal contributions to pension insurance [4]. Employment Opportunities - Claiming unemployment benefits does not affect future job prospects. It is a legitimate right for workers who have fulfilled their obligations to contribute to unemployment insurance [5]. Frequency of Claims - There is no limit on the number of times unemployment benefits can be claimed. As long as individuals meet the eligibility criteria, they can receive benefits multiple times [6].
人社部:领取失业保险金不影响基本养老保险个人账户
第一财经· 2025-05-27 07:22
Core Viewpoint - The article clarifies that receiving unemployment insurance benefits does not reduce the balance in an individual's basic pension insurance account, as these funds are accounted for separately [1]. Summary by Sections Unemployment Insurance Eligibility and Duration - Workers who have participated in unemployment insurance for over one year can claim benefits if they meet specific conditions, including not voluntarily leaving their job. The duration of benefits varies based on the length of contributions: up to 12 months for contributions between 1 to 5 years, 18 months for 5 to 10 years, and 24 months for over 10 years [2]. Impact on Pension Contributions - Individuals receiving unemployment benefits can still pay into their basic pension insurance as individuals. Their unemployment benefits will not be suspended due to their continued pension contributions, provided they do not meet conditions that would legally stop the benefits [3]. Employment Prospects Post-Unemployment Benefits - Claiming unemployment benefits does not affect future job prospects. It is a fundamental right for workers who have contributed to unemployment insurance. Agencies cannot require the transfer of employment records or note the receipt of unemployment benefits in the employee's file [4]. Frequency of Claims - There is no limit on the number of times an individual can claim unemployment benefits, as long as they meet the eligibility criteria [5].