What will be the impact of stopping social security contributions in Beijing?

We all know that social security has become our third most basic need in life after education and housing. Especially in big cities like Beijing, social security is not only related to our pension, medical reimbursement, but also There are various things to do such as buying a car, buying a house, applying for a residence permit, and settling in with points. This shows the importance of social security, but now because of the epidemic and the economic situation, many people have lost their jobs. Employees of convenience stores, Luckin Coffee, etc. will face suspension of social security payments. So what impact will the suspension of social security payments have on us? In the last issue, we briefly talked about the impact of the suspension of social security payments. Today we will analyze in detail what circumstances will lead to the suspension of social security payments, and what the impact will be after the suspension of social security payments. There are also measures to make up for the suspension of social security payments, and how to avoid social security payments. If the payment has been stopped, how to make up the payment and other related issues.

1. What is social security? Social security is called social insurance and is one of the most important components of the social security system. Social security insurance refers to a social and economic system that provides income or compensation for people who have lost the ability to work, temporarily lost their jobs, or suffered losses due to health reasons. The main items of social insurance include pension insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

Pension insurance: Pension insurance is a social insurance system in which workers receive certain financial compensation and material assistance and services from the government and society after reaching the statutory retirement age.

Medical Insurance: The basic medical insurance system for urban employees is a social insurance system established based on the affordability of finance, enterprises and individuals to protect the basic medical needs of employees.

Work-related injury insurance: Work-related injury insurance is also called occupational injury insurance. After a worker is accidentally injured due to work reasons or in the process of work, or an occupational disease is caused by exposure to occupational hazards such as dust, radiation, toxic substances, etc., the state and society shall provide necessary provision to the injured, disabled, and dependent relatives of the deceased. material help.

Unemployment insurance: Unemployment insurance is a system mandated by the state through legislation, and a fund is established centrally by society to provide material assistance to workers whose sources of livelihood are temporarily interrupted due to unemployment.

Maternity insurance: Maternity insurance is targeted at the physiological characteristics of childbirth. According to the law, when working women temporarily interrupt their work and lose their normal source of income due to childbirth, the material provided by the state or society help.

2. What circumstances will cause the social security payment to be cut off? 1. Personal reasons: The individual resigned or changed jobs, but failed to find a new job in time, but failed to deal with the social security issue in time; the individual resigned from the unit, Switching to freelance work or returning to family and no longer working; or individuals forgetting to pay during the payment process, etc. will cause social security contributions to be cut off. 2. Company reasons: The company's payment management is not standardized. For example, the initial payment time is delayed or stopped prematurely, or data errors cause social security interruption, and company account arrears, and bank transfers are not transferred within the specified time. Social security payments, etc.; illegal operations by enterprises, improper operation of daily staff, resulting in interruption of payment and missed payment; or due to the bankruptcy or closure of the enterprise itself, etc., will cause personnel's social security payment to be suspended.

3. What is the impact of the suspension of social security payments? In Beijing, the suspension of social security payments will have direct impacts on pension insurance, medical insurance, and maternity insurance, and indirect impacts on buying a house and a car. Lottery, children's schooling, points settlement, etc.

Direct impact

1. Pension insurance: It is a basic security type. The suspension of social security contributions has a relatively small impact on pension insurance, because pension insurance is cumulative. As long as you retire at the time of retirement, After 15 years of cumulative contributions, you can retire and receive a pension. Although it will not affect the pension you receive, the treatment will be different, because the pension is a "pay more, get more" policy, and stopping payment will reduce the pension amount.

2. Medical insurance: It is a basic protection type. Medical insurance will be greatly affected. First of all, once the payment is stopped, you will not be able to enjoy medical reimbursement from the first of the next month, and you will have to wait three months after the payment is renewed before social security can be used normally (manual reimbursement can be made within these three months), but the money in your personal account will still be available. You can continue to use it. Secondly, if the payment period exceeds three months and the continuous payment period is cleared, the reimbursement amount enjoyed will be affected. Then, if you want to enjoy lifelong medical reimbursement after retirement, in Beijing, men must have accumulated medical insurance contributions for 25 years, and women must have accumulated medical insurance contributions for 20 years. At the same time, after retirement, you can apply for medical insurance retirement after reaching the above payment years.

3. Maternity insurance: It is an employment-related insurance. If you want to enjoy maternity reimbursement and receive subsidies in Beijing, you need to have paid continuously for 9 months before giving birth (if the insured employee has paid continuously for less than 9 months before giving birth, If payment is made continuously for 12 months after the month of childbirth, the employee's maternity allowance will be supplemented by the maternity insurance fund). If there is a break in payment, the employee will not be able to enjoy maternity reimbursement when giving birth, and will not be able to apply for subsidies.

4. Unemployment insurance and work-related injury insurance: It is an employment-related unemployment insurance. This is a protection that is activated only when you are unemployed. After you leave your job, you can apply for employment unemployment subsidies in accordance with the regulations of the local Social Security Bureau. As for work-related injury insurance, it basically has no impact because it is not used at all during the period of resignation.

Indirect impact

1. Lottery to buy a car or a house: In Beijing, if you want to buy a car or a house through a lottery, you are required to have a record of continuous social security payment for the past five years. Currently, the social security for buying a car through lottery is The back payment is valid; however, only the last 3 months of social security back payment for buying a house can be counted as continuous payment. If it exceeds 3 months, the number of years will be accumulated again.

2. Children going to school: Before children go to school in Beijing, the school district is required to pay social security records for 6 consecutive months. If the payment is stopped, the child will not be able to enter school.

3. Points settlement: Social security is a necessary condition for points settlement. If you want to apply for points settlement in Beijing, you are required to have paid social security continuously in Beijing for the past 7 years (the cumulative amount of back payment records shall not exceed 5 months). Failure to pay will increase the difficulty. In addition, there are other policy conditions, such as visa immigration, study abroad passport, residence permit, etc., which require continuous payment of social security records. Once the payment is stopped, it will have an impact.

4. How to avoid social security suspension? In order not to affect your life, you must avoid social security suspension, so you must deal with the social security issue when you leave your job and change jobs. First of all, the best way is to find a new job before resigning, so that you can renew your social security contributions at the new company after resigning from the original company. This seamless connection will have the least impact on us. Secondly, if you are registered in Beijing, you can go to the Social Security Bureau to pay flexible occupational social security during your resignation period. The period of flexible occupational social security can be combined with the employee’s years, which will have less impact on us. However, there are household registration requirements, and you can only pay Pension insurance and medical insurance (unemployment insurance can also be paid in some areas). Then, if you don’t work in your place of residence, you can affiliate with an acquaintance’s company or find a social security payment agency to handle social security at your place of work. This method has fewer requirements, and you can pay the same social security base as current employees, and then enjoy the same benefits. Only company expenses and personal expenses need to be borne by yourself. The same is true for freelancers, self-employed people and other people who have not joined a company. Try to avoid cutting off your social security contributions.

5. How to make up the payment if the social security payment has been discontinued? For the social security payment that has been stopped, due to the new social security payment rules in 2020:

Only those who have recently stopped paying social security for no more than three months It can be paid back;

If the company fails to pay social security to employees in full and on time, the employees can defend their labor rights and ask the company to pay back; it will be difficult to make up the remaining social security for employees, except in the following three situations : 1. Educated youth with local household registration who went to the countryside between 1961 and 1982; 2. Elderly people with local household registration who have participated in employee pension insurance (men over 65 years old and women over 60 years old) 3. Local cities and towns Household registration, has established labor relations with state-owned enterprises or county-level or town-level collective enterprises, and has reached retirement age before December 31, 2010. During the rest of the time, if employees want to make up for their social security contributions, they can find a social security payment company, but the cost is higher and the time is longer, so it may not be worth it.

6. What should I do if I cannot make up for the retirement period? For those who are over 45 years old but have not purchased social security, or who have purchased social security but cannot meet the requirement of paying for 15 years by the age of 60 What should people do? 1. Delayed retirement. If you have reached the legal retirement age and the social security is not enough for 15 years, you can apply for delayed retirement, up to 5 years. 2. You can also switch to urban and rural residents' social insurance by switching to urban and rural residents' social security. After reaching the age of 60, you can make a one-time supplementary payment for 15 years. However, due to the difference in the pension insurance system, although the one-time supplementary payment is lower, the benefits you enjoy are great. Otherwise, the pension will be greatly reduced. 3. Withdraw from the pension insurance. You can also choose to withdraw from the pension insurance. After confirmation by the relevant agency, the employee's basic pension relationship will be terminated, and the personal account savings previously paid will be paid to the individual in one go. But after retirement, there is no way to enjoy medical insurance and pension benefits. To sum up, the suspension of social security payments not only affects social security itself, but also affects many policy benefits. Moreover, it is becoming more and more difficult to pay back social security, and some policy benefits are not recognized even if they are paid back. Therefore, we must pay attention to social security and try not to let social security payments stop.