中新网4月17日电 近日，针对社会上流传的关于养老保险的诸多误解，人力资源和社会保障部（简称“人社部”）进行了集中答疑，以正视听。官方明确表示，养老保险缴满15年并非退休的唯一条件，同时断缴不会导致已积累的权益清零。
人社部指出，参加基本养老保险的目的是为了确保退休后的生活质量，其权益保障并非单纯以缴费年限为唯一标准。虽然法律规定最低缴费年限为15年，但达到这一年限并不意味着可以立即退休。退休年龄的确定还需参照国家的退休政策，通常与个人的工种、健康状况、性别等因素有关。
针对“断缴3个月待遇清零”的谣言，人社部强调，养老保险权益是累积计算的，即使出现断缴情况，之前的缴费年限和金额仍然有效，不会被清零。参保人员在重新就业或补缴后，其养老保险权益将继续累计，不影响未来领取养老金的资格和金额。
此外，人社部还澄清了“一次性补缴10万元每月领1400元”的不实信息，指出养老金的领取金额是根据个人的缴费基数、缴费年限、个人账户余额等因素综合计算的，不存在简单的“补缴金额换算领取额”的公式。
官方提醒公众，获取养老保险信息应以官方发布为准，避免被不实传言误导，确保自身的合法权益得到有效保障。同时，鼓励参保人员持续缴费，以获取更高的养老金待遇。
英语如下：
News Title: “Pension Insurance: Must Pay for 15 Years, or Loss if Gap for 3 Months? Ministry of Human Resources and Social Security Sets the Record Straight”
Keywords: pension insurance, pay for 15 years, gap in payment does not nullify
News Content:
April 17, 2022 – In response to numerous misunderstandings circulating about pension insurance, China’s Ministry of Human Resources and Social Security (MOHRSS) has provided official clarifications to dispel misinformation. The Ministry stressed that completing 15 years of contributions is not the sole criterion for retirement, and a gap in payment will not result in the loss of accumulated benefits.
According to MOHRSS, the purpose of participating in basic pension insurance is to ensure a decent standard of living after retirement. The rights and benefits are not solely determined by the length of contributions. While the legal minimum contribution period is 15 years, reaching this milestone does not automatically qualify an individual for retirement. Retirement age is determined by national retirement policies, which can consider factors such as occupation, health, and gender.
Addressing the myth that a three-month gap in contributions would lead to a zeroing out of benefits, MOHRSS affirmed that pension rights are accumulated over time. Any interruption in payment does not invalidate previous years or contributions; they remain valid and are not reset to zero. Once individuals resume employment or make up for missed payments, their pension rights will continue to accumulate, with no impact on their eligibility or the amount of future pension benefits.
Moreover, MOHRSS debunked the false claim that a one-time payment of 100,000 yuan would guarantee a monthly pension of 1,400 yuan. The amount of pension received is calculated based on factors such as individual contribution base, years of contribution, and personal account balance, not through a simple conversion formula involving lump-sum payments.
The official advice to the public is to rely on information released by the authorities for details on pension insurance, to avoid being misled by false rumors, and to ensure the protection of their rightful benefits. The Ministry also encourages continuous contributions to secure higher pension benefits.
【来源】http://www.chinanews.com/gn/2024/04-17/10200445.shtml
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