I bought insurance in the factory. What should I do if I leave my job?

Legal analysis: The factory pays social security and resigns as follows:

1, endowment insurance, personal account, ID number is the account number, there are three ways to deal with resignation:

First, stop payment, which leads to the interruption of payment period and the cessation of personal account accumulation, but as long as the time is not long, it will have little impact on the future;

Second, it is paid in full by the individual, that is, the part paid by the enterprise in the past is paid by myself without interruption, but the personal burden is heavy and uneconomical;

Third, if you want to find a job in other places, you can go through the insurance transfer procedures and go to a new employment area.

2. Medical insurance also includes personal accounts. After resigning, the treatment is basically the same as pension insurance. The money in the personal account can continue to be used locally, but it cannot be transferred for the time being. The state has introduced relevant transfer methods.

3. Work injury insurance, unemployment insurance and maternity insurance all have no personal accounts, and the insurance will be automatically lifted after resignation. But as long as you have paid unemployment insurance for one year, and unemployment is not caused by personal reasons, you can receive unemployment insurance money.

4, housing provident fund, there are personal accounts, the fees paid by enterprises and individuals form the total amount of personal accounts, just like the bank's zero deposit and lump sum withdrawal for all ownership individuals. After resigning, I just stopped saving money, but the money in my account still belongs to me. As long as it meets the conditions for withdrawal of the provident fund, it can be withdrawn at any time, and it can be renewed in the future without being invalidated.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund.

Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premium should be paid by the government during the payment period.

When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

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.