Does social security interrupt retirement for one year have a big impact?

Of course, it has an impact on pensions. Now the principle of social security contributions has an impact on pensions. Changde's long-term payment mainly depends on the payment period and payment amount, which has a great influence on retirement. If your own funds are not abundant, then you can choose to pay the minimum base and pay for a period of time, which will be more cost-effective.

Social security includes five kinds of insurance: endowment insurance, medical insurance, maternity insurance, industrial injury insurance and unemployment insurance. Each kind of insurance will produce different insurance after one year's suspension, as follows:

1, the impact of old-age insurance: the length of service is not calculated during the suspension period; Without the entry of personal account funds, the personal account funds will be reduced in the future, and there will be some losses when calculating pensions; When reaching the legal retirement age, the time of interruption in life will be accumulated, and the cumulative interruption will be 12 months, and the calculation of pension will be advanced by one year.

2. Medical insurance impact: you can't enjoy medical insurance benefits during the interruption period; The payment period that affects a lifetime.

3. Impact of maternity insurance: you can't enjoy maternity allowance during the interruption period; The number of years of continuous payment will affect whether you meet the conditions for enjoying maternity allowance; Interruption of subsequent insurance requires recalculation of insurance time.

4. Impact of industrial injury insurance and unemployment insurance: The interruption of payment for one year has little impact on these two insurances, but you cannot enjoy insurance benefits during the interruption.

Article 27 of the Social Insurance Law of People's Republic of China (PRC), if an individual who participates in the basic medical insurance for employees reaches the statutory retirement age and the accumulated payment reaches the fixed number of years stipulated by the state, he will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

Legal basis: Article 16 of the Social Insurance Law of People's Republic of China (PRC) stipulates that individuals who have participated in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.