As we all know, social security plays an important role in our daily lives. Whether it is medical reimbursement, pension application, or buying a house or car, it has gradually become inseparable from social security. But do you really understand it?
The importance of social security
Social security, a refreshing word, its full name is social insurance, including five types of insurance: endowment, medical care, unemployment, work-related injury and maternity, aiming to provide a full range of living security for the majority of workers.
Every employed person should participate in a social security scheme when they get a job, especially when facing illness, maternity, unemployment or other life changes, social security will play a key role.
If social insurance contributions are interrupted, we may lose this critical safety net.
After understanding the importance of social security, we need to know a common misconception. That is, many people think that after 15 years of social security contributions, they can stop paying social security contributions.
However, according to the relevant provisions of the Labor Law, the Labor Contract Law, the Social Insurance Law and other relevant provisions, the employer shall register the employee for social insurance, and the social insurance premium shall be jointly borne and paid by the employer and the employee in accordance with the law.
This means that regardless of how long you have been paying social insurance, you should continue to pay social insurance as long as you have not reached the retirement age set by the state.
In Beijing, for example, the discontinuation of social security contributions has these implications
1. Application for passenger car indicators
Non-registered personnel need to meet the following conditions to apply for passenger car allocation indicators: there is no passenger car registered in the city, there is no motor vehicle that should be scrapped and has not been deregistered, holding a valid motor vehicle driver's license, and holding a valid "Beijing Residence Permit", and paying social insurance premiums and personal income tax in the city for the past five consecutive years.
2. Application for house purchase qualification
The conditions for non-Beijing residents to purchase a house include paying social insurance in Beijing for 5 consecutive years, of which the cumulative amount of supplementary payment shall not exceed 3 months.
At the same time, the social security payment caused by the change of the registered address of the unit or the transfer of work does not exceed 3 months, and does not affect the qualification to buy a house.
3. Beijing points settled
Persons with non-resident registration in Beijing who apply for points settlement in Beijing must have paid social insurance in Beijing for 7 consecutive years or more.
4. Miscellaneous
For children's schooling and some policy-based house purchases, in addition to the requirements for continuous payment of social security, there are also requirements for the insured districts and counties. The interruption of social security contributions for 1 month will have an impact on the social security itself and related policies.
5. Affect the reimbursement of medical treatment and maternity
If we interrupt the payment of health insurance, even if it is only for one month, we will not be able to enjoy the benefits of medical insurance, although it may be considered as continuous participation, but after 3 consecutive months, we will need to bear a waiting period of 3-6 months.
The same principle applies to maternity insurance. In most municipalities, only those who have paid for maternity insurance for more than nine consecutive months are eligible for maternity allowance.
If you have stopped paying social security and want to enjoy the maternity allowance, you need to pay social security for 12 consecutive months after childbirth.
Although the loss of social security contributions will bring all of the above problems, not all situations will be affected.
For example, retirees who have reached the statutory retirement age and have paid pension insurance for more than 15 years are still eligible for retirement pensions even if they have interrupted contributions for one year.
For example, as long as certain conditions are met, the social insurance contribution records of retirees of both sexes will not directly affect the payment of benefits when they receive pension and medical benefits.
So, if we accidentally stop paying social security, how to make up the payment?
At present, the mainland's social security policy stipulates that only people who meet certain conditions, such as those who applied for social security before July 1, 2011, or those who have reached retirement age and have paid five years of pension insurance, can make a one-time supplementary payment.
However, there are other options for those who do not qualify for a lump sum catch-up. For example, if you have interrupted your contributions for no more than 3 years, you can apply to the social security department for supplementary contributions by completing the relevant documents, or if you have a long period of interruption in the period before retirement, resulting in failure to meet the 15-year social security payment period, you can also choose to continue working until the payment is full.
For those who are flexibly employed, they also have their own way of making social security contributions. For example, Beijing has implemented the functions of mobile banking APP inquiry and self-service payment to facilitate flexible employment to pay social security by themselves.
For example, Rural Commercial Bank provides a way to log in to the mobile banking app, select "More" on the homepage, and then jump to the full-featured view, where you can find and click on the Flexible Employment Social Security Payment Service in the Life Exploration Area to start the payment process.
To sum up, social security is an important guarantee for our life, which not only involves our physical health, but also relates to our life security and social rights and interests.
Therefore, everyone should take their social security issues seriously and avoid the situation of non-payment. At the same time, we also need to understand the relevant policies and regulations of social security, so that we can make the right choice and enjoy the benefits of social security when needed.