Social security has been suspended for more than six years. Is the social security card still useful? What knowledge should I master?

You have paid social security for more than six years. If it belongs to the personal social security paid by the employer, then every social security information is there, including social endowment insurance, medical insurance, unemployment insurance, maternity insurance and work injury insurance. But these are just payment records. If the payment has been suspended for 6 years, the previous payment period of social endowment insurance still exists. If you want to continue to pay fees in the future, you will find a new job in the same social security co-ordination area. As long as the new company applies for renewal, you can re-pay, and the previous payment years can be calculated cumulatively, and you will not apply for a social security card.

Medical insurance, because the payment period of employee medical insurance also needs to be calculated cumulatively. Although the payment has been suspended for six years, the six-year payment period is still valid. Only medical insurance has a very strong timeliness. Except for the personal account balance in the social security card, it can be used normally, and the hospitalization expenses for going to the hospital will not be reimbursed. However, the application for personal account assets requires a social security card. If the social security card is lost, the assets of the personal medical insurance account will be difficult to use normally. It is basically useless to record the payment information of unemployment insurance, maternity insurance and industrial injury insurance except for the cumulative calculation of the payment period of social endowment insurance and medical insurance.

If you don't want to find a new job, you can continue to pay as a freelancer in the future, but you must go through the renewal formalities at the social security agency where your account is located before paying. Even if you deposit the money in the original collection account, the social security agency will not automatically deduct the fee, especially now that the social security fee is collected by the tax authorities, so the collection account needs to be changed. If the funds in the personal medical insurance account in the social security card are fully allocated and the validity period of the social security card has passed, then this social security card has no practical value and can only be used as a souvenir. Even if you don't pay in the future, you can apply for surrender at the statutory retirement age stipulated by law, and you can no longer count on social security cards, but you can find your own payment information as long as you have an ID card.

In addition to the information function of social security, natural social security cards also have financial functions. After the financial function is activated, even if the social security card has expired, the bank account will not expire, and it can be used as a financial institution. As long as there is deposit in it, it can still be used normally. It can also open online banking and bind WeChat or Alipay wallet.

The key is medical insurance. From the month after I stopped paying social security, I can no longer enjoy social security benefits. However, if there is a balance in your personal account of medical insurance card, you can still swipe your card to the pharmacy to buy medicine, but it is difficult for you to get medical insurance reimbursement. If you pay social security in the future, you will have to wait half a year to get social security benefits.

Secondly, social endowment insurance. If the individual social security is interrupted for six years, it must be guaranteed that the accumulation period of social security contributions needs to reach 15 years when the retirement age is reached, otherwise pension retirement cannot be handled. In addition, the old-age insurance after retirement is now on the social security card, so I must take good care of your social security card, stimulate the corresponding financial functions, and ensure the pension.

Generally speaking, the social security card is still valid as long as the social security card is still within the validity period. From the perspective of social security function, the content of payment information is recorded, and payment can be continued in the future; Personal medical insurance account assets in social security cards, which have not been used, can continue to be used; The financial function is stimulated and can continue to be used as a savings card.