What is the effect of intermittent crossing 15?

First, continue to pay after the social security is broken.

Social security can still be paid after several years of suspension, and the medical insurance and endowment insurance in social security can accumulate payment years.

No matter how long it takes to break off diplomatic relations, as long as the cumulative payment period of old-age insurance reaches 15 years before retirement age and the cumulative payment period of medical insurance reaches 20 years or more, it will not affect the old-age treatment and medical insurance reimbursement. However, it should be noted that if the payment of social security is stopped for more than 3 months, the medical insurance will enter a waiting period of 6 months, during which hospitalization will not be reimbursed.

If the company bears the social security payment after re-employment, the human resources department of the company will come forward to handle the social security renewal procedures for you. If you are self-employed and flexible in employment, you can also continue the pension insurance relationship as a freelancer and continue to pay pension insurance and medical insurance independently. You can bring relevant information to the Social Security Bureau for social security renewal procedures.

Generally speaking, according to the relevant laws and regulations, social security can be paid back after several years of interruption. However, it should be noted that the legal retirement age in China is 60 years old, so it is recommended to pay attention to the payment period of social security before the age of 45. If it is found that 15 years has not been paid, it should go through the formalities of renewal as soon as possible.

Second, what is the impact of cutting off social security?

1. Payment of medical insurance: Medical insurance in most areas generally starts from the second month of payment, and medical expenses are no longer reimbursed for medical treatment. However, the money in the personal account in the medical insurance card can still be used, and it will not be cleared for you just because it is broken. Generally speaking, the longer the continuous payment time of medical insurance, the higher the annual reimbursement ceiling. If the payment is broken, the reimbursement ceiling will be lowered.

2. Endowment insurance: The higher the payment base, the longer the service life, and the more pensions you receive when you retire, so intermittent payment will have an impact on the follow-up treatment.

3. Pay off maternity insurance: Most cities require that they pay for nine months or pay for one year to have a child before they can enjoy the above treatment. If the diplomatic relations are broken halfway and do not meet the local requirements, they cannot be reimbursed.

4. Unemployment insurance and industrial injury insurance: Unemployment insurance, as its name implies, covers unemployment risks. If you work in a company, these two insurances will not be broken. If you resign, unemployment insurance and industrial injury insurance will be useless. Therefore, breaking off diplomatic relations has little effect.

Third, can social security still be used if the money in the medical insurance card is broken?

After the social security is broken off, although the insured can't continue to enjoy the basic medical insurance benefits, the money in the medical insurance card will not be cleared. Therefore, the insured can still use the money in the medical insurance card to go to the designated pharmacies and hospitals to see a doctor and buy medicine until the money in the medical insurance card is used up.

Of course, after the social security is broken off, the social security bureau will no longer make money into the insured's medical insurance account every month, so the insured can use the money accumulated on the previous card.

Moreover, because the insured person can no longer enjoy the basic medical insurance benefits, he can't use the medical insurance card to reimburse the medical expenses incurred by medical treatment. Even after the renewal, the medical expenses incurred during the suspension period cannot be reimbursed. However, after the insured person continues to pay social security, he can resume enjoying the basic medical insurance benefits, and then if he sees a doctor for treatment, the medical expenses he spends can also be reimbursed with the medical insurance card.

Legal basis:

People's Republic of China (PRC) social insurance law

Forty-sixth unemployed people, before unemployment, the employer and I accumulated contributions for more than one year but less than five years, the longest period of receiving unemployment insurance money is twelve months; If the accumulated payment is over five years but less than ten years, the maximum period for receiving unemployment insurance benefits is eighteen months; If the accumulated payment is more than ten years, the maximum period for receiving unemployment insurance benefits is twenty-four months. If you are unemployed again after re-employment, the payment time will be recalculated, and the period of receiving unemployment insurance benefits will be combined with the period of receiving unemployment insurance benefits that should have been received but not received in the previous unemployment, and the longest period will not exceed 24 months.