What is the impact of Hangzhou social security breaking off for one month?

Breaking off social security for one month has a certain impact on personal pension, medical care and fertility. However, the specific impact should be analyzed according to the current situation.

1: medical insurance benefits are suspended

Social security broke off for one month, and from the next month, the insured person can't enjoy the relevant subsidies and reimbursement when he goes to the hospital for treatment. However, if the insured person has money in the medical insurance card, he can go to the pharmacy to buy medicine or swipe the balance in the card during treatment. However, you don't need to be particularly worried. As long as the insured is healthy and not sick during the break-off, he can continue to enjoy medical insurance benefits as long as he updates his medical insurance in the future.

2. Affect maternity insurance

Social security includes maternity insurance, but if you want to enjoy this protection, you need to pay 1 year social medical insurance continuously to enjoy it. If the insured person does not pay social security for one year during pregnancy, he cannot enjoy this treatment.

It doesn't matter as long as it is filled out.

Social security includes five insurances, namely, endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance.

Old-age insurance: generally, the cumulative payment is 15 years, and you can get it when you reach the statutory retirement age. Pay more and get more; Medical insurance: outpatient and inpatient medical insurance, and enjoy medical insurance benefits for life after retirement after paying a certain number of years;

Maternity insurance: reimbursement of various medical expenses and maternity allowance during pregnancy and childbirth;

Unemployment insurance: those who pay for a certain period of time and do not leave their jobs voluntarily can get a sum of money every month as a temporary transition;

Work-related injury insurance: due to work-related injury or occupational disease, you can apply for work-related injury appraisal and receive work-related injury allowance to ensure your life.

Hangzhou social security broke off for a month, as long as it is supplemented, it has no effect on pension and medical insurance.

The years of pension and medical insurance can be accumulated, and even if they are interrupted, they can enjoy retirement benefits after paying the full years. After the medical insurance is paid off, the actual balance of the personal medical insurance account will not be "cleared".

How to return it?

First, the insured is under retirement age.

When the insured person pays back, he should pay back the employee's medical insurance fee according to his different identities during the insured period (the so-called insured person is not insured, that is, the employee enters the unit and the unit fails to pay in time). The specific provisions are as follows:

1. Pay back the money as a unit employee.

The payment base of the current payment period is determined according to my current payment base, and the payment ratio is the payment ratio of the current employee medical insurance; In previous years, the payment base was the average salary of the province where the payment was made, and the payment ratio was the current employee medical insurance payment ratio.

This situation belongs to the fact that employees entered the company and the company did not pay them in time.

2. Reimbursement as a flexible employee

The payment base is determined by 60% of the average salary of the whole province in the previous year at the time of payment, and the payment ratio is 10.5%.

Flexible employment, there are two situations:

(1) Unemployed persons with household registration in Hangzhou urban area of working age;

(2) Non-urban household registration personnel who have terminated or terminated their labor relations with the employer and have participated in employee medical insurance in Hangzhou for a total of 10 years can pay employee medical insurance premiums at the same time.

The second is to reach the statutory retirement age and the payment period is insufficient.

When the insured person continuously pays the insurance premium in the urban area until he receives the basic pension on a monthly basis or reaches the statutory retirement age, if the actual payment period in the urban area is over 10 years (inclusive) and the accumulated payment period is over 20 years (inclusive), he can apply for the treatment of urban workers' medical insurance retirees in accordance with the regulations after going through the formalities of reviewing the payment period of medical insurance for employees and verifying the retirement benefits.

Insured persons who fail to meet the requirements of the above payment period shall be handled in accordance with the following provisions: (Note: one-time payment is not allowed)

1. Urban household registration

When the urban continuous insurance payment reaches the urban basic pension or statutory retirement age on a monthly basis, the insurance payment shall be made according to the payment standard of flexible employees until the above payment period is met, and the treatment of urban workers' medical insurance retirees shall be handled according to the regulations.

2. Non-urban household registration

Urban employers who are employed in cities and towns and continuously pay insurance premiums to the statutory retirement age and can receive basic pensions on a monthly basis shall pay insurance premiums in accordance with the payment standards for flexible employees until they meet the requirements of the above payment period, and handle and enjoy the treatment of urban workers' medical insurance retirees in accordance with regulations.

Non-urban household registration, unless otherwise stipulated, has not been employed by urban employers and participated in employee medical insurance, nor does it meet the conditions for urban flexible employment. After reaching the statutory retirement age, you can't apply for the retirement benefits of medical insurance for urban workers.

During the period when the relevant insured persons in the above two items continue to pay insurance premiums, their medical insurance benefits shall be implemented with reference to the standards for flexible employees to participate in employee medical insurance.

Legal basis:

Article 58 of the Social Insurance Law of People's Republic of China (PRC) * * * The employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

People's Republic of China (PRC) Labor Law Article 72 The sources of social insurance funds shall be determined according to the types of insurance, and social pooling shall be gradually implemented. Employers and workers must participate in social insurance and pay social insurance premiums according to law.

Article 73 Laborers shall enjoy social insurance benefits according to law under the following circumstances:

(1) Retirement;

(2) Being sick or injured;

(3) Being disabled at work or suffering from occupational diseases;

(4) unemployment;

(5) bearing.

After the death of an employee, his survivors shall enjoy the survivors' allowance according to law.

The conditions and standards for workers to enjoy social insurance benefits shall be stipulated by laws and regulations.

Social insurance premiums enjoyed by workers must be paid in full and on time.