What are the effects of a broken social security

In today's fast-paced life, it's not uncommon to change jobs and jump ship. However, changing jobs is likely to bring a very nasty thing: social security broken. What is the impact of social security broken? Small bag today to bring you to understand to see. According to the response of the Social Security Administration, in general, the short-term interruption of social security has no effect on the pension insurance. Pension insurance: retirement cumulative payment of 15 years can enjoy the benefits. Because it can be accumulated, so the impact is not great. However, if there is an interruption of 12 months, the pension will be calculated one year in advance. For medical insurance, there are several situations: 1. From the month following the cessation of contributions, the medical insurance will no longer be entitled to the payment of basic medical care (reimbursement by the medical insurance) and the relevant medical subsidies. However, if you still have money on your card, you can use it in outpatient clinics or pharmacies to buy medicines or pay for medical treatment that is not reimbursed under the insurance scheme. This is because the amount on the card is the accumulated amount of money paid by the individual each month and included in the individual account of the medical insurance, which is simply your own money. 2. Renewal of the insurance still need half a year waiting period Medical insurance interruption or arrears of more than three months, you need to wait for six months of observation period, before you can continue to enjoy the previous reimbursement, Medicaid treatment. The personal account to cope with the aspect, as long as the balance in the health insurance card is sufficient, in the next month after the renewal of the insurance can be used as before. * Insurance bag bag binding medical insurance account, medical insurance card balance at any time to check. Maternity insurance Maternity insurance is no longer eligible for maternity healthcare payments and benefits from the month after you stop paying contributions. If you become pregnant after you leave your job, you can only rely on your husband, who is covered by maternity insurance, to reimburse you at his workplace, but the amount you receive is small. Maternity insurance cannot be paid on an individual basis. Maternity insurance is different from pension insurance and health insurance in that, unlike pension insurance and health insurance, which are not dependent on the organization and can still be paid by the individual at the social security office, maternity insurance cannot be paid individually or in the name of the individual, but only on behalf of the organization. If a woman who is not working wants to enjoy maternity insurance, she can negotiate with her former organization for dependency on maternity insurance or apply for dependency on behalf of the organization in the human resources dependency unit. Of course, the costs and premiums required for affiliation still need to be paid by the individual. I remind you that if you are looking to buy a house or a car, or to apply for a hukou, a residence permit, a visa, or a laissez-passer, you must pay attention: don't break it! Even if you break it for a month, according to the regulations, it is impossible to make up the contributions, and the year will be counted from the beginning. However, the rules vary from region to region. Interruption of a shorter period of time (try not to exceed 6 months Oh ~) basically can be accumulated with the previous length of time, but to buy a house, many areas of social security contributions to the requirements or to achieve continuous payment without interruption. Buy a house; such as buying a house in Shanghai, you need to pay 5 years of social security, that is, 60 months of social security. The new policy explains that as long as you have paid a total of 60 months of social security contributions in the past 63 months, you can buy a house, and it will be implemented immediately. The "cumulative" refers to the normal payment, the retroactive payment is not accepted, and not more than 3 months of broken payment. If you want to buy a car or a license plate, you can't break your social security! Not even for a month? In Beijing, social security need to pay 5 years of continuous payment, can not break the month (such as breaking the month, make up the validity of payment); in Shenzhen, as long as the stop payment of a month of medical insurance (because there is no replacement of the medical channel, specially formulated for this policy), the system directly audit does not pass, and then wait for two years it! In Shanghai, you need to hold a Shanghai residence permit and since the date of application has been in Shanghai for three consecutive years to pay social insurance or personal income tax. Residence permits, visas, the same reason, such as in Shenzhen is not normal continuous payment of one year of social security, will be sorry to say, you go back to your domicile to do the pass, residence permits can not be done on the temporary first not to enjoy the treatment of the public **** policy, the next year and then say it again! The year break is invalid. How to make up the contributions after the interruption? The social security bureau said, if the employer did not participate in medical insurance for employees on time, you can apply for retroactive payment, allowing the employer to make up for no more than two years of medical insurance, retroactive payment after the years can be combined to calculate the number of years, but retroactive payment of medical expenses incurred prior to the employer to bear, retroactive payment of new medical expenses incurred by the medical insurance fund to pay. It is important to note that the replacement contribution can only be made if the employer has not paid the contributions due to the interruption of the participant. Moreover, the medical expenses incurred before the retroactive contribution will be borne by the employer, and the new medical expenses incurred after the retroactive contribution will be paid by the medical insurance fund. Sachet friendly reminder: retroactive payment of social security is more troublesome, interruption of social security need to be careful. If you are faced with such a problem, no one will help you to pay for your job, so make sure you find a company to help you to pay for your social security in advance, and pay the minimum amount of money according to the minimum base.

The People's Republic of China **** and the State Social Insurance Law, Article 16 of the Basic Pension Insurance individuals, reaching the legal retirement age, the accumulated contributions of fifteen years, the monthly basic pension. Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the statutory retirement age may contribute until they reach the full fifteen-year limit and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or to the urban residents' social old-age insurance, and shall enjoy the corresponding old-age insurance benefits in accordance with the provisions of the State Council. Article 27 of the Law of the People's Republic of China on Social Insurance Article 27 Individuals participating in basic medical insurance for employees who have paid contributions for a total of up to a specified number of years by the state when they reach the legal retirement age shall no longer pay basic medical insurance premiums after their retirement and shall enjoy basic medical insurance benefits in accordance with the provisions of the State Council; and those who have not yet reached the specified number of years by the state may pay contributions for a total of up to the specified number of years by the State Council.