It isn&#x27;t taken as a lump sum, like out of your savings, though there is probably something in the law about your house... though they won&#x27;t kick your family out of your house either (after a death, a widow or widower can live in the house the rest of their life, for example).<p>But that monthly check you would get each month - what your &quot;pay&quot; is after you stop working - they take the 80% from that part. It is automatic, much like taxes. The other 20% goes into your account, and who has control of that money depends on how able-minded and stuff you are.<p>For most folks, there is a minimum pension they get so long as they work long enough in the country or simply live in the country long enough and age old enough to get the minimum pension. And they take 80% out of that.<p>Everyone simply has the same price for the state facilities. There are a few private facilities with different pricing, but it really isn&#x27;t such a big deal if you don&#x27;t go there. Just some differences - in-house cafeterias instead of centralized kitchens, for example.