01
Social security payment will be cut off for 1 month
What are the implications?
The impact of basic social security benefits
Social security is divided into five types of insurance: endowment, medical care, maternity, unemployment, and work-related injury, which provides basic and comprehensive protection for "workers".
Once the social security payment is interrupted, it will affect the normal protection of various types of insurance:
1. Pension insurance:
If it is a short interruption, it is not a big problem. However, there are still two effects:
Pension "pay more, pay more, pay longer". To put it simply, if the interruption is longer, the less the contributions, the corresponding reduction in the number of years of insurance, the smaller the cumulative savings in the personal account, and the lower the pension.
In addition, if you do not have enough years of payment due to the interruption of payment and want to receive a pension after retirement, you can only extend the payment period, and you need to continue to extend the payment, and you can go through the pension procedures after meeting the conditions for receiving it.
2. Medical Insurance:
It belongs to the basic security type, which is mainly a matter of current and future treatment.
After the payment is broken, you cannot enjoy medical insurance benefits for medical treatment. Medical insurance is calculated on a monthly basis, and once the payment is discontinued, the medical insurance benefits will stop from the next month. If you see a doctor during the interruption of medical insurance, you will not be able to reimburse your medical expenses and renew your payment before you can regain your medical insurance benefits.
1) Renewal of medical insurance within 3 months: medical insurance benefits will be restored;
2) More than 3 months: The payment time will be recalculated, and the medical insurance benefits can be restored after 6 months.
The rules are different in each region, and in some areas, even if the payment is interrupted for one month, the waiting period needs to be recalculated. Generally speaking, the longer the continuous payment period of medical insurance, the higher the annual reimbursement ceiling. If the payment is interrupted for more than 3 consecutive months due to resignation or other reasons, the continuous payment period will be cleared to zero, and you need to start accruing again.
After the payment is stopped, the money in the personal medical insurance account will not be cleared and can continue to be used.
The standard of enjoying retirement benefits in the future is determined according to the requirements of various places, such as Beijing men have paid medical insurance for 25 years, women have paid for 20 years, and at the same time, pension insurance can be retired after reaching the above payment period.
3. Maternity Insurance, Unemployment Insurance and Work-related Injury Insurance:
It belongs to the employment-related type, and when the corresponding circumstances occur, you can apply for benefits according to the requirements, such as maternity, unemployment and work accidents.
The impact of the social security linked policy
Social security is linked to the lottery for house purchases, children's schooling, and public rental housing applications.
It can be seen that once you are sick, have a baby, lose your job, be injured at work, or need to apply for a residence permit, public rental housing, lottery, etc., social security can play an important role, but you must not stop paying.
02
After leaving the company
How should social security be handled?
The way to pay social security after leaving work is similar all over the country, here is an example of Sichuan Province:
1. Start your own business after leaving your job
2. Join the new unit immediately after resignation
3. There is no re-employment for the time being after leaving the job
03
After the social security payment is stopped
How do I make a retroactive payment?
1. Under what circumstances can I make a supplementary payment?
1. Failure to pay the social insurance premiums of the insured employees of the unit within the prescribed levy period;
2. Failure to register and pay social insurance for new employees within 30 days from the date of employment;
3. Failure to declare the social security payment base for employees according to the wages payable.
The employer shall declare and pay back social insurance premiums for the employee in accordance with the provisions of the Social Insurance Law of the People's Republic of China.
Note: If the social security payment is interrupted due to personal reasons, it cannot be supplemented.
For employees with household registration in Beijing, if they do not have a new job for the time being after resigning, they can save their files to the human resources public service center in the district where their household registration is located, and participate in employee social security as flexible employees. When you find a new job, you can transfer your social security relationship to the past.
2. How to make up the payment?
Supplementary payment of insurance within the past three months shall be handled directly on the official website of Beijing Municipal Human Resources and Social Security Bureau;
The employer shall go to the social security agency for the supplementary payment of more than three months.
A copy of the business license of the unit
·《Application Form for Supplementary Payment of Basic Pension Insurance Premiums in Beijing》
Beijing Social Insurance Supplementary Payment Schedule (Table 4) (Statement in triplicate with official seal)
Basic Medical Insurance Fund Supplementary Payment Form (Table 10) (Statement in triplicate and stamped with official seal)
·“ Beijing Social Insurance Information System Enterprise Management Subsystem "Offer to generate data files of the U disk
Original proof of salary payment
Original labor contract
Reminder: If you want to avoid social security disconnection, the best way is to pay attention to the connection when changing jobs, and avoid resigning and then considering a new job. If it is a situation where you have already found a new job and then resign, it is necessary for the employee to communicate with the new and old units in advance to confirm the time of resignation and entry, as well as the time of social security increase and decrease, especially to remind the new unit to pay social security in time after entry.
Sources: Finance First Classroom, Tax Lecture Hall, Tax Research School, Social Security Forum, 51 Social Security Network, etc