User profile: tigertigerathome

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Forums > Living in Kunming > Are Foreigners Eligible for Retirement in China

Yes but not from the company.

You need to have paid 15 years worth of social security payments to be eligible for the pension. Your employer may have been paying this for the time you have worked with them, but not all employers do.

If your employer has not, you can pay yourself, it is not expensive. You can also pay make up payments. For example, if you have not paid at all, you can make lump sum payments.

I have done this in Shanghai, and so what I say next applies to Shanghai, but the rules and the sums involved may vary for Kunming.

You must have permanent residence status to apply.
The street committee has an admin office in each district that deals with all Social Security matters for residents in that district. The annual payment is 500 rmb. After 15 years payments (minimum) upon reaching the age of 60 you are eligible for a pension of 1600/m index linked. You can make up payments for missed years.

BIG CAVEAT. Once you have passed 60, you cannot make back payments. You will have to pay each year for 15 years before you are eligible to be paid your pension.

If you have permanent residence status you can also apply for a health card. This entitles you partial payments on medical expenses at state hospitals. I think it is 50% payment for out patient treatment and 70% for in patient treatments. Receipts must be presented to claim monies back. I think you get money off at pharmacies by presenting your health card at the time of purchase.
Currently most cards can only be used in city of issue, unless you apply to transfer your cover to the city you are resident in. However, the government is rolling out a national system and I believe the card can be used inter-city if both cities are on the national system (I stand to be corrected). Kunming connects to the national system in the next month or two.
NB Medical costs are not high in China. I have just had surgery on my knee ligament (torn completely and needed to be sewn back together). This was at a national level sports injury center.

It cost me under 30k rmb for all costs,

up to the date of discharge from hospital several weeks later. That was before any medical cost reclaim from social security.

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Forums > Living in Kunming > owners association?

From experience I can say that things can and do get nasty, for two main reasons. One, you are threatening someone's money. Two, face, you are calling someone out for not doing their job. @faber mentions "sought out by the opposition for pacification in private."

As a foreigner you are a soft target, and any accusations (true or false) could be levelled at you, just out of vexation. Let someone else take that heat. Yes ask around, and maybe encourage someone else to take a lead, but then step back. If anyone asks why you are not taking a lead, just say that you are a foreigner and not allowed to (this may or may not be a true fact).
I do know that there is a legal vehicle for setting up owners associations and regulations that govern this. I am not sure if this is the same as a Street Committee (the grass roots level of the CCP in urban areas), but there is a mechanism for setting up a local street committee. If your street does not have one, these branches of the CCP can be found at local or district levels, and they can advise. Even if your 'street' does have one, your local area can form their own, it takes very few people. I know that any eligible group is allowed to form one, and it is encouraged by CCP policy. In either of these cases (owners assoc. or street ctte.) I think foreigners would not be eligible.

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I lived in Shanghai for a number of years, it is pretty humid all year round. The summer is hot and wet, and yes once you walk out of the door in the morning you know you will be drenched in sweat all day. The winter is cold and damp, with the damp getting into everything, bedding, clothes, even your bones.

Pay in Shanghai is much higher, but you need the extra money just for apartment rents and higher prices for entertainment.
Shanghai is a good place for work, entertainment, shopping, and transportation, but it really is living in the rat race. Shanghai offers a higher standard of living, Kunming by comparison is more relaxed and offers a better quality of life. IMHO.

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