For the first woman, she can try to start a legal action against her former employer, force later to make a late payment for her social security. maybe about 50

For the first woman, she can try to start a legal action against her former employer, force later to make a late payment for her social security. maybe about 50k-100k CNY for her 5 years. Or she can stay for another 5 years and continue to pay on her own to make sure she can retrieve the full benefits. If she'd chose to close her account, I think she can retrieve about CNY 100-200k one time. For the second one, House saving fund is a totally different thing. It is not mandatory nationally, for some employees they preferred to pay a minimum so they can negotiate for a higher wage in cash. It is very rare to see a migrate worker choose to pay housing saving funds instead of more cash. Anyway normally you can try to get some help from government provided legal aid and local media in this situation, but the foreign medias and NGOs is a big no-no.