What's the impact of breaking off diplomatic relations for one month with five insurances and one gold?

The impact of five insurances and one gold interruption for one month;

1, it can be returned, and it has little effect on local household registration;

2. There is no need to return, and the five risks are calculated cumulatively. It doesn't matter if you are interrupted;

3. If you have a gold, it doesn't matter if you don't plan to apply for a provident fund loan within 12 months; Policy housing is not restricted by continuous payment of provident fund 12 months. Self-housing provident fund loans need to be deposited continuously for 6 months when applying for loans.

The impact of breaking five insurances and one gold on your welfare;

(1), endowment insurance

Endowment insurance is accumulated according to the number of years. After the pension insurance has been paid for 15 years, you can receive a lifelong pension after retirement. If the payment is stopped halfway, it can be renewed, but it may affect the pension benefits after retirement.

If the pension insurance is paid less than 15 at retirement age, it can be paid until 15, and you can still enjoy the monthly pension; 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.

(2) Medical insurance

Medical insurance is the most practical and important of all insurances. There is a three-month buffer period for medical insurance. If the insurance is not renewed for more than 3 months, the continuous payment period will be cleared.

Medical insurance is interrupted, and medical insurance benefits cannot be enjoyed during the interruption. Even if the insurance renewal is successful later, it will take another six months to enjoy the treatment of the overall fund. Because medical insurance is pay-as-you-go, it will be cut off in the current month, and medical expenses will not be reimbursed next month. Employees must pay medical expenses at their own expense.

(3) Unemployment insurance

Most people don't get unemployment insurance because it's more troublesome. If you resign voluntarily, you won't get unemployment insurance. Therefore, it generally has little impact.

(4) Maternity insurance

You can't enjoy maternity insurance after breaking off diplomatic relations, because maternity insurance is generally enjoyed by those who have paid 12 months and continue to pay.

(5) industrial injury insurance

Industrial injury insurance is ready-made, and it will be invalid if it is broken. Work-related injury insurance is paid by the unit for employees. It is ineffective to sever diplomatic relations when there is no job, but it can only be guaranteed if it is insured during work.

(5) Housing accumulation fund

The interruption of provident fund will affect the application for provident fund loans. Generally speaking, you can only apply for provident fund loans after continuous payment for 6 months or 1 year.

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" item, which is legally necessary, and paying it also means an obligation.

The role of five insurances and one gold:

The role of five insurances and one fund is becoming more and more important, which has become the basic condition for many enterprises to recruit talents. In reality, the more developed areas, the higher the employees' attention to five insurances and one gold. Especially in first-tier cities, because it is linked to the qualification of buying a house and a car, five insurances and one gold have become an important criterion for finding a job.

Handling of five insurances and one gold:

I. Opening social security and provident fund accounts

Enterprises need to open accounts for social security and provident fund at the Social Security Bureau and the Provident Fund Center within 30 days from the date of establishment. After opening a social security account, you will get the social security registration certificate, and after opening a provident fund account, you will get the unit provident fund registration number.

Second, increase or decrease personnel.

Every month, the company will add new employees to the company's five insurance and one gold account and delete employees who have left the company from the account. Social security and provident fund accounts are two independent accounts, and the operation of increasing or decreasing employees must be carried out in two accounts.

Three, confirm the payment base

The unit needs to declare the correct payment base of five insurances and one gold for employees every month to ensure the normal payment of five insurances and one gold. The payment base of five insurances and one gold is the average salary of employees in the previous year or the salary in the first month of employment.

Four, five insurance and one gold payment

Enterprises, banks, social security/provident fund management institutions sign bank payment agreements, and directly deduct five insurances and one gold fee from the enterprise bank account at a fixed time every month. Of course, enterprises can also choose cash or check to pay at the site of the five insurance and one gold management institution.

Legal basis:

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

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its 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.