What's the impact of leaving social security for a month?

What's the impact of leaving social security for a month?

What is the impact of breaking off social security for a month? Some people went to naked resignation without a plan, which directly affected our social security payment. Cutting off social security contributions will have many adverse effects. Let's take a look at the impact of breaking off social security for a month.

What is the impact of breaking off social security for a month? 1 If you don't pay medical insurance for one month, your personal account will not be cleared, but your corporate account will be recalculated! That is, the maximum reimbursement amount is recalculated. If you continue to pay the local prescribed number of years (not invalidated midway), you can continue to enjoy medical insurance after retirement without paying. So it should be possible not to make up for it in less than one month, but if you don't make up for it for three consecutive months, you will have to reapply. To enjoy maternity insurance, you must pay 12 months continuously before giving birth, and you can't pay maternity insurance premium if it is broken. If it is not continuous, you can't enjoy maternity insurance reimbursement.

Consequences of non-payment after medical insurance interruption:

Newly insured employees (including those who have been re-insured for more than 1 year after interruption of payment) shall participate in the basic medical insurance according to law, and if the payment reaches 1 year (excluding the overdue period), they shall enjoy the basic medical insurance benefits in accordance with the regulations; Over six months but less than one year, according to 50%; If it is less than six months, it will not be paid. If there is no intermittent payment, or if the intermittent payment does not exceed one year, the payment in the month of hospitalization will not affect the medical insurance reimbursement.

Although social insurance is cumulative, if payment is interrupted, it will have a serious impact on individuals. Once the old-age insurance is interrupted, it will seriously affect the future pension collection. The longer the interruption, the greater the pension loss.

1. If the length of service is not calculated during the interruption period, the length of service salary will be paid as usual;

2. Personal account funds are not entered during the interruption period, resulting in a decrease in personal accounts in the future, resulting in losses when calculating endowment insurance;

3. If the medical insurance is interrupted for more than three months, the medical care for the whole year will be gone;

4. Medical insurance that has been interrupted for one month is not reimbursed, and can only be reimbursed for three consecutive years;

5. When reaching the legal retirement age, the time of life interruption is accumulated, and the accumulated interruption 12 months is pushed forward to calculate the pension for one year.

What's the impact of leaving social security services for a month? 2 Consequences of social security service interruption.

First, endowment insurance

According to the current social insurance law, pension insurance has paid the minimum requirement of 15 years, and you can receive a monthly pension after retirement. That is to say, as long as you guarantee to pay 15 years when you retire, the payment will not affect the pension eligibility, but will affect the pension treatment level.

The old-age pension for retired people consists of two parts, one is the basic pension, which is equal to (the average monthly salary of workers in the province last year+the average monthly payment salary of myself) ÷2× the payment period × 1%, and the other is the personal account pension = the amount of personal account storage ÷ months. According to the formula, if the repayment time is too long, it will lead to the reduction of the payment period and the amount of personal account storage, and finally the basic pension level will also be reduced.

In addition, if the payment is interrupted for too long, the payment will not be enough by the retirement age 15 years, so it is necessary to postpone retirement, pay back or give up social security at one time, and you will not be able to enjoy the basic pension benefits if you give up social security, so you can only return the personal payment.

Second, medical insurance.

Once the employee's medical insurance is cut off, he can't enjoy the reimbursement treatment the next month. If you participate in employee medical insurance again, you will also set a waiting period of 6 months, and the hospitalization expenses during the waiting period cannot be reimbursed. The original intention of the waiting period for treatment is to prevent people from rushing to participate in insurance after hospitalization, so the consequences of medical insurance payment are very serious.

In addition, according to the provisions of Article 27 of the Social Insurance Law, individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement, including hospitalization reimbursement and medical insurance card refund, if they reach the statutory retirement age and the accumulated payment reaches the number of years stipulated by the state.

Among them, there is no uniform standard for the number of years stipulated by the state. In most provinces and cities, men pay for 30 or 25 years, while women pay for 25 or 20 years. Therefore, if your medical insurance payment is cut off for too long, you will not be able to enjoy lifelong medical insurance after retirement.

Third, maternity insurance.

Those who meet the requirements of the national fertility policy and have paid maternity insurance for one year or nine months before pregnancy (different local regulations) and are still in the insured state after pregnancy can enjoy maternity medical expenses, birth inspection fees, maternity allowance, etc. Maternity leave allowance is equivalent to the replacement salary of female employees during maternity leave. The calculation method is that the monthly per capita payment base of the employer in the previous year is 30 (days) × maternity leave days. Due to different modes of production, the number of maternity leave days is also different. The allowance for natural labor is 98 days, and the allowance for dystocia is 1 13 days. For multiple births, the maternity allowance will be increased by 15 days for each additional baby.

Fourth, industrial injury insurance.

Industrial injury insurance is mainly just in case. Employees who are injured or killed at work can enjoy the treatment of reimbursement for work-related injuries. Industrial injury insurance can be enjoyed as long as it is paid. If there is an accident during the suspension of payment, it needs to be borne by the individual.

Fifth, unemployment insurance.

If you want to receive unemployment insurance, you need to meet three conditions at the same time. First, units and individuals have paid for more than one year; Second, employment does not depend on my will; Third, there is a willingness to apply for a job. You usually need to go to the Social Security Bureau or apply for unemployment insurance through official channels within 60 days of unemployment.

What's the impact of breaking off diplomatic relations after leaving social security for a month? 3 how to deal with leaving social security?

Don't, in order to continue to pay social security, can't you leave? Of course not! Just "settle down" in social security in time after leaving the company.

Change jobs locally

If you change jobs locally, you can leave your job after paying social security in the current month and continue working in the new company as soon as possible;

Change of work place

If you want to change your job in a city, you need to apply for social security transfer: log in to the Social Security Bureau in official website and submit an application for transfer → print the insurance payment voucher in the Social Security Bureau → transfer the insurance payment voucher to a new unit for transfer.

Pay social security by yourself

If the blank period of resignation is long, then it is suggested that you can pay social security yourself. Generally, local people can pay social security by themselves. If you are not local, you can find some third-party institutions to pay, but there will be certain risks.

How to remedy personal reasons?

Repayment can be made within 3 months, which requires the application of the company and has a labor relationship with the payer;

More than 3 months, the interval is too long. Generally, the new company's gold will not be repaid, and it can be negotiated with the new company. If the new company refuses, there is nothing it can do.

How to remedy the company's failure to pay?

If the payment is suspended due to company reasons, you can negotiate with the company to make up the payment;

If you are unemployed for company reasons, you can apply for unemployment benefits, and you don't have to pay medical insurance during the period.

In short, if social security can be paid continuously, don't break it. If you are forced to cut it off, you must try to make up for it. If you really want to leave your job and "let go" for a period of time, then you must arrange social security issues in advance to avoid future regrets.