What are the effects of social security breaks?

What are the effects of a Social Security break? How to deal with it?

By the impact of this year's epidemic, a significant portion of small and medium-sized enterprises are not doing well, which has led to many active employees to leave or passive departure.

Coupled with the fact that many small and medium-sized enterprises to tide over this year's difficulties open source, looking for work is more difficult than ever, many friends worry about unemployment during the social security payment will not have any impact.

Here's a list of some of the short-term effects:

(1) Impact on health insurance

Once the social security payment is cut off, the first to be affected is the health insurance coverage.

I believe we all know that health insurance is a monthly payment, once the payment is cut off, from the next month onwards you will not be able to enjoy the benefits of health insurance.

This means that you will not be reimbursed for outpatient and hospitalization, but the money in your health insurance account will not be zeroed out, and you can purchase medicines at designated pharmacies.

From the chart above, we can see that there is a three-month buffer period for health insurance breakups, and renewing your health insurance within three months will restore your health insurance benefits, but if you go beyond three months, you'll have to recalculate.

(2) the impact on the configuration of commercial insurance

configuration of the personal health insurance friends know that, when the insurance, social security and no social security required to pay the premium difference of nearly double.

And most commercial medical insurance is reimbursed 100% by social security, and only 60%-80% without social security.

So, the social security break not only affects the health insurance reimbursement treatment, but also in the configuration of the relevant insurance, but also have to pay more premiums to get protection, the reimbursement rate of commercial medical insurance will also decline.

(3) Impact on social security-related eligibility

Friends who are concerned about the property market and the car market should know very well that the National Housing Authority has introduced a series of purchase restriction policies in order to control housing prices.

Nurse to Beijing, for example, non-Beijing residents to buy a house in Beijing, you need to pay a full five years of social security and personal income tax, the same, want to get the qualification of the automobile lottery, you have to pay a full five years of consecutive local social security.

Even if we don't consider buying a house or a car, then if your child wants to go to school in a different place, you'll always have to face the points of settlement, and in the end, the points will still depend on our social security payment record.

So after the social security break, a series of qualifications related to the payment of social security will be cleared, the father summarized into a table as shown in the following chart:

The above three points are mainly the short-term impact of the social security after the break, in the long run, the social security break will also affect our old age protection, maternity protection, unemployment protection and so on. If you want to know more about social security, you can read here: "The latest analysis of social security, in the end, what is the use?

So how to make up for the broken social security payment, there are mainly the following two cases:

①Broken payment within three months

If the individual initiative to leave, there is a window of work, the milkman suggested to find a new work unit as soon as possible, preferably the entry that is to buy social security units, or to pay the status of flexible employment of the employee's social security.

It should be noted that flexible employment people to pay social security can only pay employee health insurance and employee pension insurance. If you really can't get one, you can only go back to your domicile to make the payment.

②Breakage of more than three months

This situation is not supported by most of the regions, you need to recalculate the number of years of contributions.

Of course, if the employer's mistakes lead to the employee's social security contributions, no matter how long the break is, it is possible to make up for it, which is our legitimate rights as workers.