I am a teacher. What should I do with five insurances and one gold after I resign?

After the teacher resigns, the five insurances and one gold can be transferred according to the following procedures (industrial injury and maternity insurance belong to the category of "current payment and current enjoyment", and there is no transfer problem) or extracted:

1, pension insurance transfer procedures

The Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance for Employees in Urban Enterprises stipulates that the old-age insurance adopts a "double transfer" mode (the individual part is fully transferred, and the overall part (that is, the company part) transfers 12% of the payment base, which is equivalent to 60% of the overall part). The transfer procedure is as follows:

(a) carrying the insured's ID card, proof of termination of labor relations, household registration book and other related certification materials, and printing the "Basic Old-age Insurance Payment Certificate" at the local social security agency;

(2) Take these procedures, fill in the transfer application form and apply for transfer to the social security agency at the transfer place. After that, other matters need not be taken care of, and the social security department of the new and old insured places will handle the transfer. As long as it is approved, the insured will receive a notice from the social security department and complete the transfer within 45 working days.

2. The medical insurance account can be transferred with people.

According to the Interim Measures for the Transfer and Continuation of the Relationship of Basic Medical Insurance for Migrant Workers issued by Ministry of Human Resources and Social Security, migrant workers can transfer their medical insurance relationship when they are employed across provinces, and their personal accounts can follow the transfer from July 20 1 year.

According to the provisions of the Interim Measures, workers who leave their jobs in new cities can join the basic medical insurance for local urban workers. The social security agency in the new employment place informs the social security agency in the original employment place to handle the transfer formalities, and the workers no longer enjoy the basic medical insurance benefits in the towns in the original employment place. The original place of employment shall issue an insurance certificate for future reference while suspending the insurance formalities.

At the same time, the balance of personal accounts is transferred through insurance agencies. Provide enough real information when you apply for medical insurance in your new employment place, and don't bother to transfer all medical insurance relationships.

3. Work injury and maternity insurance

These two types of insurance belong to "current payment and current enjoyment", and there is no transfer problem.

4. Unemployment insurance transfer

The Regulations on Unemployment Insurance stipulates that the establishment of urban enterprises and institutions is transferred across the overall planning areas, and if the unemployed move across the overall planning areas, the unemployment insurance relationship will be transferred accordingly.

If it is really necessary to handle it, the on-the-job staff and workers shall go through the formalities for the transfer of unemployment insurance relationship with the agency that accepted the unemployment insurance business in the original unit. The agency shall issue the employee's insurance payment certificate, and the employee shall use this certificate to continue the unemployment insurance relationship with the unemployment insurance agency where he moves in, without transferring funds.

5. Buying a house in a different place can withdraw or transfer the provident fund at one time.

If an individual goes to work in other places and the work unit has established a housing provident fund account for him, all the funds in the housing provident fund account of the original residence can be transferred to the housing provident fund account in different places.

When handling, employees need to provide the transfer-in unit acceptance certificate, transfer-in unit housing provident fund establishment certificate, transfer-in bank account number, bank name, employee ID card copy and other related materials to the original unit where they live, and apply to the account management department through the housing provident fund manager of the original unit.

Foreign hukou can apply for one-time withdrawal of housing provident fund at the housing provident fund management center where the original unit is located before the 25th of each month with the certificate of resignation, ID card and withdrawal of bank account.

To sum up, how to deal with five insurances and one gold after the teacher resigns? According to the specific categories of five insurances and one gold, the treatment methods are different. First of all, there is no transfer of industrial and commercial and maternity insurance.

Under normal circumstances, pension insurance and medical insurance can be transferred with the place where workers work. Workers can apply to the social security departments of the two places, and the transfer of unemployment insurance is basically the same. As for the housing provident fund, if the new work unit has a provident fund account, it can be transferred, otherwise it can be withdrawn from the original unit at one time.

Extended data:

How to deal with five insurances and one gold after resignation? Many white-collar workers in the workplace may ignore this problem. Within three months after resignation, the payment of medical insurance has a great influence. Let's take a look at the specific treatment of five insurances and one gold after resignation.

Theoretically, 1, the old-age insurance can't be interrupted. If it is paid after the break-off, there will be a late payment fee (and it is not allowed to be paid in different places), and finally the accumulated years will be. However, if the full payment is not made at the retirement age, it is theoretically impossible to go through the retirement procedures, and it is also impossible to receive the pension (in some areas, the insured person continues to pay until the condition of 15 is reached, and in some areas,

After resigning, go through the transfer procedures of five insurances and one gold: lay down the transfer form in the old unit and hand it over to the new unit to continue.

2, unemployment insurance must be paid (individuals can not pay, must participate in insurance in the unit account).

After resigning, go through the formalities of five insurances and one gold transfer: you don't need to go through it, just go to the new unit and continue to work.

3. Medical insurance is more important. The interruption of more than three months is invalid. See a doctor in three months, and you'll have to pay for it yourself. It doesn't matter if you have a minor illness. If you are seriously ill, you will be in great pain. Interrupt for more than three months, and then go to a new unit.

Everyone who participates in medical insurance has a medical insurance account, which will be used for life. No matter whether the unit changes or not, the unit will put a certain proportion of money into the social security card (medical insurance card) every month, and individuals can withdraw it at any time, and the purpose can only be to buy medicine.

According to medical regulations, outpatient expenses above 1.800 yuan can only be reimbursed. For example, if you spend 2,500 yuan, you will only be reimbursed 50%-70% of 700 yuan (different hospitals have different reimbursement rates), and if you are hospitalized, you will be reimbursed more. When you see a doctor, you should tell the hospital to write a medical insurance bill and bring it with you when you are hospitalized.

After resigning, go through the formalities of five insurances and one gold transfer: after the labor relationship with the unit is terminated, the unit will transfer your account out of the unit account in the social security service department, and now you are in a flexible employment state. You don't need to find a unit to pay it yourself, you just need to pay endowment insurance and medical insurance.

However, the specific payment ratio needs to be consulted with the local human resources and social security departments, because the payment amount will be different in different regions, and even the payment ratio in some regions will be different.

Company enrollment is not introduced first, just find the company and pay the company. General flexible employees will set up several stalls for the insured when paying local fees. For example, low, medium and high can choose the corresponding gear according to their own economic strength. Of course, the more money, the higher the relative retirement salary.

4. The provident fund unit deposits the money given to you and your own money into your provident fund account. For example, if the salary is 3000, the unit will give you 300, and you will deduct 300 yourself. So you should have 600 yuan in your provident fund account every month, and you can only withdraw it once a year. If you want to go to the provident fund center, you need to buy a house or repair it. You can take it yourself or entrust the unit to take it; Handling transfer procedures: first open an account in the new unit, give the account to the old unit, and let the old unit transfer the money from the original account to the new account.

Every June (the time varies slightly from place to place), the provident fund center will send the statement of each employee to the unit, showing the current money in your account.

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