HOW TO JOIN
According to the law, foreigners working in China should join China’s social security programs. Here’s how it works:
Employers will help employees open the account, with insurance contributions shared by the employer and employee.
The self-employed can go to a local social security center to finish the formalities and pay contributions.
Getting the pension: Foreign workers must contribute to the pension accounts for at least 15 years to collect a pension after retiring. Workers who leave China before paying for 15 years can get their contributions back. The remaining money in a foreign worker’s pension account can be inherited by the children, upon the retiree’s death.