Eurydice To be clear, chronic diseases do not necessarily qualify for early retirement. Only patients with chronic diseases who meet all legal conditions can receive pensions in advance after their application is approved.
I went through the relevant procedures with my distant cousin last year. He has been suffering from type 2 diabetes for 12 years, and developed uremia in the past two years. He has to go to the hospital for dialysis three times a week. It turns out that he can't do the work in the machine factory at all, and it is difficult to even stand for long periods of time outside. He was 52 years old at the time and had been paying for employee social security for 27 years. He first submitted the application with his dialysis records and diagnosis certificates issued by the hospital for the past year, and then went to the Municipal Work Capacity Appraisal Committee for a full set of examinations. Finally, he received the appraisal conclusion of "complete loss of working ability." He was approved for early retirement more than a month after submitting the materials. Now he receives a monthly pension of more than 3,200, and he no longer has to pay social security, which is a lot less stressful.
Of course, those who were approved like him had actually met all the hard thresholds. When I was waiting for a number at the social security window, I saw several applications that were rejected with chronic disease diagnoses. There was an older brother suffering from stage III hypertension, and an older sister suffering from chronic obstructive pulmonary disease. Their applications were not approved because they could still do light manual labor and did not meet the standard of complete incapacity to work.
In fact, the identification of "complete loss of working ability" is the core threshold. It is a bit like the vision test for a driver's license. It does not count if you say you can't see clearly. It must be measured by an officially designated identification agency in accordance with unified standards. In addition, it must also meet the hard requirements of having paid the employee pension insurance for 15 years in total, and men must be over 50 years old, and women must be over 45 years old. No one less will suffice. If you do not meet the age requirement, even if you are completely disabled, you can only retire and receive retirement living allowance, which is much lower than a formal pension.
In the past two years, there has actually been a lot of discussion about early retirement due to chronic diseases. Many office workers in their 40s and 50s have long-term hypertension, coronary heart disease, and rheumatoid arthritis. They are unable to do heavy work and can't endure the work, but they are not completely disabled. There is no way to apply for early retirement. There is a strong voice.； However, there are also many voices who feel that if the standards are relaxed, not only will the pressure on pension insurance funds increase sharply, but loopholes in fraud and insurance fraud will also easily appear. How to balance it is still being explored.
If you or your relatives have such needs, it is recommended to call the local social security department first to ask for specific requirements. For example, some places require hospitalization records for the past six months, and some require diagnosis at a designated hospital. If you sort out the materials in advance, you can save a lot of unnecessary mistakes.
