Can social insurance paid by different provinces be combined?

Social security paid by different provinces cannot be directly combined.

Can not be directly merged, in accordance with the provisions of Ministry of Human Resources and Social Security's documents, the insured person has a basic old-age insurance relationship or repeated payment of basic old-age insurance premiums in two or more places, in accordance with the principle of "first transfer and then liquidation" to clean up. The insured mobile employment, at the same time, there are basic old-age insurance relationships in two or more places. When handling the transfer of the basic old-age insurance relationship, the social insurance agency and I negotiate to determine to keep one of the basic old-age insurance relationships and personal accounts, and other relationships will be cleaned up during the same period. The amount of personal account storage will be refunded to me, and the corresponding individual payment period will not be counted again.

The role of social security:

1, the more individuals pay, the more investment the unit will give you. The payment of five insurances and one gold is the same base, and the proportion of units and individuals is different. The unit pays about twice as much as the individual.

2. The payment of social security accumulation fund is tax-free, not only personal income tax is not deducted when paying, but also personal income tax is not deducted when receiving benefits, and interest tax is not deducted from special accounts; If you pay me, you need to withhold personal income tax, and if you deposit it in the bank, there will be interest tax.

3. Pay the old-age insurance to reach the minimum age. After reaching the statutory retirement age, you can apply for retirement and receive a monthly pension. Pension can be received until death. With the improvement of social living standards, it will only increase rather than decrease, and the amount of capital increase will be adjusted every year, which can ensure the stability and reliability of old age life.

4. Paying medical insurance can get medical insurance reimbursement; If the accumulated contributions on the job reach the minimum number of years, you can enjoy medical insurance benefits higher than on-the-job reimbursement without continuing to pay basic medical expenses after retirement.

5. Payment of maternity insurance can reimburse the expenses of prenatal examination, family planning operation and delivery operation. Moreover, the maternity insurance premium is entirely borne by the unit.

6. Payment of unemployment insurance benefits You can get unemployment insurance benefits and other subsidies when you are unemployed. Unemployment insurance is a kind of policy insurance, which is usually not available in commercial insurance companies.

7. Pay work-related injury insurance, and you can get compensation in case of work-related accidents or occupational diseases. You are not afraid of 10 thousand yuan, but you are afraid of one thousand, especially some major accidents. Don't worry about small companies delaying payment. Moreover, the work-related injury insurance premium is entirely borne by the unit.

8. Paying the housing provident fund is equivalent to the unit depositing a tax-free income in proportion to you, which can be used for housing-related purposes. If you don't use it up at work, you can take it out once after retirement; In addition, the housing provident fund loan interest rate is lower than that of commercial loans.

To sum up, it cannot be merged directly. Ministry of Human Resources and Social Security's document stipulates that if the insured person has a basic old-age insurance relationship in the two places or repeatedly pays the basic old-age insurance premium, it shall be cleaned up according to the principle of "transfer first and then liquidation".

Legal basis:

"Interim Measures for the transfer and continuation of the basic old-age insurance for employees of urban enterprises" Article 3

If the insured person is employed in inter-provincial flow, the social insurance agency of the original insured place (hereinafter referred to as the social security agency) shall issue the certificate of insurance payment, and the basic old-age insurance relationship shall be transferred to the new insured place. If the insured reaches the conditions for receiving the basic old-age insurance benefits, the payment period of insurance premiums will be calculated together, and the amount of personal account storage (including principal and interest, the same below) will be calculated cumulatively; Before reaching the age of receiving treatment, the basic old-age insurance relationship shall not be terminated, and the procedures for surrender shall be handled; Settle abroad and settle in Hongkong, Macao and Taiwan Province Province, according to the relevant provisions of the state.