Is there a difference between social security continuous payment 15 and cumulative payment 15?

The difference between social security continuous payment and cumulative payment is as follows:

1. Continuous payment:

/kloc-intermittent payment in the middle of 0/5 years;

2. Cumulative payment:

Can be divided and combined, adding up to 15 years.

The difference between social security continuous payment 15 years and cumulative payment 15 years is as follows:

1, getting a pension is different. The pension insurance premium is calculated as cumulative payment 15 and continuous payment 15, in which the payment period is the same, but the difference is that when paying social security, the average social wage is different, which will affect the payment base of social security;

2. The impact is different. Accumulated social security payment 15 years is usually a requirement in endowment insurance. Continuous payment of social security 15 years will generally affect the acquisition of qualifications. For example, in some cities, social security needs to be paid continuously when buying a house, settling down and enrolling children. Once there is a gap in the middle, it is not a continuous payment of social security and needs to be recalculated.

3. Different needs. Accumulated payment of 15 years of social security, only after the requirement of selling old-age insurance in silly spring reaches 15 years, can you receive pension at the legal retirement age. Medical insurance for men and women is 25 years and 20 years, and they can enjoy retirement medical insurance for life after retirement, but the continuous payment of social security affects their eligibility.

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

If you don't pay medical insurance for one month, your personal account will not be cleared, but your public 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. 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.

To sum up, it is Bian Xiao's relevant answer about the difference between continuous social security contributions 15 and cumulative social security contributions 15. I hope I can help you.

legal ground

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

Fifteenth basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Sixteenth individuals who participate 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.

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.