Retirement Planning Session 86: Is there a correlation between the timing of social security benefits and blue/red card application? Does receiving social security benefits in advance activate the blue/red card at 65 automatically with automatic deductions? Delaying social security benefits requires manual payment setup for the blue/red card. The significance of the 40-point system (Chinese subtitles).

by Retirement Advisor | Sep 8, 2023 | Spousal IRA | 1 comment

经常有人问，红蓝卡申请时65岁，社安金是不是也得65岁开始领？
不是的。其实领社安金的年龄与申请红蓝卡的年龄是完全不相干的。
您可以早点申请社安金也可以晚点申请社安金，早点会打折，晚点可以多领一些，最晚可以到70岁领。但是红蓝卡却规定了非常严格的时间，没有合格的团体医疗保险的话，必须在65岁前后三个月申请，否则就有罚款。
提前领了社安金，到65岁的时候，不管您有没有申请红蓝卡，社安局都会自动把红蓝卡寄过来，自动在您的社安金里面扣除相关费用。您要是不想要的话，一定要尽快跟他们联系，说明情况，取消，否则就会自动收费了。
有关红蓝卡的信息，我们做了非常多的讲座，欢迎大家查看。

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想了解更详细的内容，或者有任何有关退休，年金，人寿保险，医疗保险，税务规划等等方面的，可以跟我们联系：
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retirement planning Issue 86: Should Social Security Benefits and Red/Blue Card Application Timing Match? Is there a correlation? Should you delay receiving social security benefits, you will be responsible for activating and financing your Red/Blue Card independently. The significance of the 40-point system for the application, Chinese subtitles in English.

When it comes to retirement planning, there are various factors to consider to ensure a smooth transition into this new phase of life. One important consideration for retirees is the timing of receiving social security benefits and applying for the Red/Blue Card.

In many countries, including China, the social security system provides financial support to seniors during their retirement years. This typically comes in the form of monthly payments, known as social security benefits or social pension. Alongside this, the Red/Blue Card system allows retirees to access different services and benefits, such as discounted public transportation, healthcare, and cultural activities.

A common question among retirees is whether the timing of receiving social security benefits and applying for the Red/Blue Card should align. In other words, should you start receiving social security benefits before or after applying for the Red/Blue Card? Is there any correlation between the two?

The answer to this question depends on the rules and regulations set by the specific country or region. In China, for example, the timing of receiving social security benefits and applying for the Red/Blue Card does not necessarily need to match. However, it is crucial to understand the implications of the timing on both processes.

If you choose to start receiving social security benefits before applying for the Red/Blue Card, there are certain consequences. Once you turn 65 years old, the Red/Blue Card will be automatically activated, and the associated fees will be deducted from your social security benefits. This means that you do not need to take additional steps for the activation and payment process.

On the other hand, if you decide to delay receiving social security benefits, you will need to take action to activate and finance your Red/Blue Card. This includes setting up the necessary payment arrangements and ensuring the monthly fees are covered.

The Red/Blue Card system also operates on a point-based system, where individuals accumulate points based on their age, marital status, and other criteria. Having at least 40 points is crucial for obtaining the Red/Blue Card. These points can be earned through various means, including social security contributions, obtaining a certain level of education, and participating in public welfare activities. It is important to understand the significance of the 40-point system and make sure you accumulate enough points for a successful application.

For those who prefer English language support, the provision of Chinese subtitles can be extremely helpful. As the retirement planning process may involve complex regulations and procedures, having Chinese subtitles in English can aid non-Chinese speakers in understanding the requirements, processes, and necessary actions.

In conclusion, while the timing of receiving social security benefits and applying for the Red/Blue Card may not necessarily need to match, it is important to consider the consequences of your decision. If you choose to start receiving social security benefits early, the Red/Blue Card will be automatically activated and financed. However, if you delay receiving benefits, you will need to take the initiative to set up the payment and activation process for the Red/Blue Card. Additionally, accumulating at least 40 points is crucial for a successful card application. Lastly, providing Chinese subtitles in English can help non-Chinese speakers navigate the retirement planning process more effectively.