Handan entrepreneur immigrant loan

If you don't pay five insurances and one gold, there are two main situations: one is to go to work later, and the other is to stop paying five insurances and one gold later. It doesn't matter much if you go to work later. If you don't go to work and stop paying, it's equivalent to nothing.

If the five insurances and one gold paid at work are broken or not paid later, it is equivalent to being invalid. Because China stipulates that social security must be paid for 15 years to enjoy the retirement policy, it is impossible to enjoy all the retirement policies if it is broken halfway.

Breaking off the five insurances and one gold or not paying them later will still have a great impact, unless there are cooperative medical care and endowment insurance at home, especially those who have paid for many years (15 or less) will suffer;

Among them, the pension insurance has a great influence. According to the regulations, it takes 15 years to get the pension. If the old-age insurance is cut off halfway or not paid in the future, it is equivalent to being invalid, and you will not get a pension after retirement. Moreover, the length of service is not calculated during the interruption of pension insurance, and the salary of working age will be reduced in the future. Length of service salary is an important part of salary, especially if you work for a long time, this part of salary will be more and more.

China's pension is based on the average salary in the year of retirement, but after retirement, the time of life interruption will accumulate, with a cumulative interruption of 24 months, and the calculation of pension will be pushed forward for two years. That is to say, if you retire, even if you pay 15 years and break off 10 years, you have to push back 10 years.

If the medical insurance is cut off (up to 3 months), it will not be reimbursed if you go to the hospital. A minor illness is fine, and a serious illness will take care of itself;

If the supply of housing provident fund is cut off, the housing provident fund loan cannot be used without guarantee when applying for it;

Unemployment insurance, industrial injury insurance and maternity insurance are all paid by the company, so you don't need to pay them yourself. However, maternity insurance must be paid for one year (10 month in some areas) to enjoy maternity insurance benefits.

To sum up, if five insurances and one gold are paid for a long time, it is not recommended to interrupt. It is more cost-effective to pay 15 years. If it takes a year or two, it doesn't matter.

Extended data:

Now that the job changes frequently, the company will definitely not pay insurance for itself after leaving the company. In this case, we can consider looking for an intermediary to make an early transition. There are many intermediary companies on the internet to help pay social security. You can pay according to the minimum base. Remember to pay attention to the time and amount of payment. You can log in to the local Human Resources and Social Security Bureau in official website for enquiry, which is very convenient.

Or find a company you know to help pay, pay it yourself, and don't stop social security. As mentioned above, especially those who have paid for many years and are about to reach the age of 15, they should pay again or find other ways.

References:

Five insurances and one gold _ Baidu Encyclopedia

The Spring Festival ushered in a wave of resignation. How to deal with five insurances and one gold after resignation? -Literature and History-People's Network