Consequences of suspending social security

Consequences of interrupting payment of social security:

1, which will seriously affect the future pension collection. The longer the interruption, the greater the pension loss.

2. If the length of service is not calculated during the interruption period, the length of service salary will be gone.

3. There is no personal account deposit during the interruption period, and personal accounts will be reduced in the future, resulting in losses when calculating endowment insurance.

There are three states of social security, namely, participation payment, suspension payment and freezing state, in which participation payment is normal payment state; Suspension of payment is the state of not paying social security fees in the past three months; The frozen state is a state of long-term arrears in social security and no payment. Therefore, the suspension of payment means that the social security relationship of the parties is currently suspended, and the unit where they work no longer continues to pay for their insurance. It should be noted that the next month when the personal social security payment is stopped, the medical insurance will stop reimbursement, and during this period, you can't enjoy the medical insurance treatment. But if you still have money in your social security personal account, you can still use it to see a doctor.

In addition, the insured needs to pay social security for a certain number of years, so if the payment of social security is suspended, it may affect the welfare collection. We can make the following list:

1. Old-age insurance: whether the company continues or the individual continues, and whether or not the payment is stopped will have an impact on the future pension collection, affecting the calculation base and the number of months.

2. Medical insurance: the nature of the unit's participation in insurance, the employer and employees interrupt or fail to pay in full, and the medical insurance center will suspend the transfer of funds to individual accounts from the next month and suspend employees' enjoyment of basic medical insurance benefits. The payment period is not calculated during the unpaid period. If the employer and employees make up the arrears and late fees within 3 months, they shall pay the medical expenses incurred during the arrears period according to the regulations. If the arrears are more than 3 months, the employer and employees can restore the employee's treatment qualification, supplement their personal accounts, and continuously calculate the payment period, but do not pay the medical expenses incurred during the unpaid period.

3. Nature of individual insurance: If the flexible employees suspend payment after participating in the insurance, they will stop enjoying the basic medical insurance benefits from the month following the suspension of payment. If the payment is suspended within 3 months to make up the arrears, the personal account will be filled and the basic medical insurance benefits will be restored from the second month after payment. The medical expenses incurred during the suspension of payment shall be borne by the individual. If the payment is suspended for more than 3 months, the medical insurance relationship will automatically terminate.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 62 If the employer fails to declare the amount of social insurance premiums that should be paid according to the regulations, the amount that should be paid shall be determined according to 1 10% of the amount paid by the employer last month; After the payment unit completes the declaration procedures, the social insurance fee collection agency shall make settlement in accordance with the provisions.