What are the effects of interrupted social security

Some people's work is temporarily interrupted, halfway to graduate school, doctoral studies, their own business and other reasons, social security will inevitably be interrupted. When social security is interrupted, we can't enjoy the medical insurance benefits, we have to wait a few more years to buy a house or a car, and it affects the children's schooling. After the social security interruption, what can we do? Next... Want to know more about the social security interruption will have what effect, follow me together to see it.

A, social security interruption will have what effect

1, health insurance treatment stop

If the current has stopped health insurance contributions, and in this month there is no history of payment, then this is not a record of continuous payment, will be regarded as a health insurance interruption of contributions. The interruption of health insurance contributions will cause certain effects to the participants:The month following the cessation of contributions, the participants will not be able to enjoy the health insurance benefits. And then re-enrollment contributions to the next month (in the enterprise insurance) or three months later (to the flexible employment status of the insured) in order to enjoy the health insurance treatment.

2, pension insurance is affected

In the current workers' pension insurance system, participants must meet the cumulative contribution period of 15 years and reach the statutory retirement age (male 60 years old, female cadres 55 years old, female workers 50 years old) conditions, in order to reach the statutory retirement age to apply for retirement, the monthly basic pension entitlements. If the accumulated contributions are still less than 15 years when reaching the statutory retirement age, you will not be able to receive the monthly basic pension benefits.

3, maternity insurance is affected

With the same health insurance, maternity insurance after the break, you can not enjoy the maternity medical co-ordination of payment and subsidies, if you get pregnant after leaving the company, you can only rely on the unit to pay maternity insurance husband in his unit reimbursement.

4, buy a house to buy a car to wait a few more years

to Guangzhou, Shenzhen, for example, foreign nationals to buy a house need to pay three consecutive years of social security, to buy a car license plate to participate in the lottery need to be more than two consecutive years of payment of the basic medical insurance record, if the middle break, you have to wait a few years again.

5, affecting the children's school

Foreign families with children in Guangzhou, Shenzhen, elementary school, generally require at least one parent to pay 1 year of continuous social security, if the break 1 month, will directly affect the children's school.

2. How to deal with the interruption of social security?

For mobile employment and flexible employment, due to the greater mobility and instability of work, social security interruption occurs from time to time. When the employer interrupts the payment of social insurance premiums, the participant can choose to re-employment after the unit enrollment, if not in time to do a good job of articulation, it may cause social security interruption. Alternatively, a participant who is a resident of the city can enroll as a flexible employee to maintain the continuity of his/her participation and contributions. When re-employment is enrolled in the unit, the participant can enroll in the unit after going to the Local Taxation Bureau to apply for individual suspension of insurance. If you don't handle the suspension of insurance caused by the duplication of insurance, to the final enjoyment of pension treatment or according to the policy provisions of the duplication of one side of the contribution years to clean up.

If you are rushing to enjoy life-long pension medical to go, pay attention to the following points:

First, pension and medical insurance years can be accumulated, if the interruption, pay enough years can be.

Second, the health insurance is broken, health insurance treatment from the next month will stop, re-payment is still reimbursement. In case of a break in payment, the medical card will have a 2 to 3 month recovery period, in these 2 to 3 months can only be manually reimbursed, can not be automatically reimbursed by the medical card. There are also local regulations that if you break more than 2 months, there will be a 6-month waiting period, and you can not reimbursement in these 6 months.

Third, for the social security payment business, to first transfer the file to the local talent. The specific process is: hold a personal ID card, household register to the Talent Exchange Service Center to open a transfer letter - hold a transfer letter to the unit will be taken out of the file - hold a debit card (prescribed bank), personal files and other relevant information to the Talent Exchange Service Center to handle the relevant procedures. At that time, as long as they will be enough to deposit the amount of insurance every month into the debit card, which contains medical insurance, pension insurance and unemployment insurance three.