近期有传言称‘领取失业保险金会影响养老金’，引发部分群众担忧。对此，人社部门明确回应：该说法不实。领取失业保险金不会扣减个人养老金，也不会影响未来养老金的计算和发放。根据我国社会保险制度，失业保险和养老保险是两个独立的险种，分别由不同账户管理、资金来源和用途也各不相同。失业保险金主要用于保障失业人员在失业期间的基本生活，而养老金则是基于个人养老保险缴费年限、缴费基数等因素综合计算得出。两者在政策设计上互不干扰。此外，在领取失业保险金期间，国家还会为符合条件的失业人员代缴基本医疗保险费，保障其医疗权益。部分地区甚至允许在领取失业保险金期间继续缴纳养老保险，以确保养老权益不受影响。因此，符合申领条件的失业人员可放心按规定申请失业保险金，不必担心影响未来的养老金待遇。如遇相关谣言，建议及时向当地人社部门咨询或通过官方渠道核实信息，避免被误导。
Recently, rumors have circulated claiming that ‘receiving unemployment insurance benefits will reduce your pension,’ causing concern among some individuals. In response, the Ministry of Human Resources and Social Security has clarified: this claim is false. Receiving unemployment insurance benefits does not deduct from your pension nor affect the future calculation or disbursement of pension benefits.Under China’s social insurance system, unemployment insurance and pension (old-age) insurance are two separate programs, each managed through independent accounts with distinct funding sources and purposes. Unemployment insurance benefits are designed to support basic living expenses during periods of unemployment, while pensions are calculated based on factors such as the length of pension contributions and contribution base. The two systems are designed to operate independently without interference.Moreover, during the period of receiving unemployment benefits, the government covers basic medical insurance premiums for eligible individuals, ensuring continued access to healthcare. In some regions, individuals may even continue contributing to their pension insurance while receiving unemployment benefits, further safeguarding their retirement entitlements.Therefore, eligible unemployed individuals can confidently apply for unemployment insurance benefits as stipulated, without worrying about negative impacts on future pension benefits. If encountering such misinformation, it is advisable to consult local human resources authorities or verify through official channels to avoid being misled.
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