What impact will Beijing's social security payment have?

As we all know, social security has become the third largest demand after education and housing in our life, especially in a big city like Beijing. Social security is not only related to our pension and medical reimbursement, but also related to buying a car, buying a house, applying for a residence permit and settling in points. This shows the importance of social security, but now because of the epidemic and economic situation, many people are unemployed, and employees such as full-time convenience stores and Luckin Coffee will face payment suspension. So what impact will it have on us?

In the last issue, we briefly talked about the impact of social security payment. Today, we will analyze in detail what will lead to the payment of social security, what impact it will have after paying social security, the payment measures after paying social security, how to avoid paying social security, and how to pay it if it has been paid off.

First, what is social security?

Social security, also known as social insurance, is the most important part of the social security system. Social security insurance refers to a social and economic system that provides income or compensation for people who have lost their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

Old-age insurance: Old-age insurance is a social insurance system in which workers get certain economic compensation, material help and services from the government and society after reaching the legal retirement age.

Medical insurance: The basic medical insurance system for urban employees is a social insurance system established to ensure the basic medical needs of employees according to the affordability of finance, enterprises and individuals.

Industrial injury insurance: Industrial injury insurance is also called occupational injury insurance. After a worker suffers from accidental injuries due to work or occupational diseases due to exposure to occupational hazards such as dust, radiation and toxic substances, the state and society shall provide necessary material assistance to the disabled and the relatives of the deceased.

Unemployment insurance: unemployment insurance is a system enforced by the state through legislation and set up by the society to provide material assistance to workers who have temporarily stopped their livelihood because of unemployment.

Maternity insurance: Maternity insurance is aimed at the physiological characteristics of fertility behavior. According to this law, when working women temporarily stop working and lose their normal source of income due to childbirth, the state or society provides them with material help.

Second, what will cause social security to be broken?

1, personal reasons:

Personal resignation or job hopping, but failed to find a new job in time, but failed to deal with social security issues in time;

Individuals leave their jobs, become freelancers or return to their families to stop working;

Or individuals forget to pay in the process of payment. Will lead to social security being broken.

2. Company reasons:

Enterprise payment management is not standardized, such as the initial payment time is delayed, or the payment is stopped prematurely, or the social security is interrupted due to data errors, the company account is in arrears, and the social security money is not taken away by the bank within the specified time;

Enterprises operate in violation of regulations, which leads to the leakage of payment due to improper operation of daily staff;

Or because the enterprise itself goes bankrupt, the social security payment of personnel will be broken.

Third, what is the impact of social security payment?

In Beijing, social security payment will directly affect our old-age insurance, medical insurance and maternity insurance, and indirectly affect our buying a house, buying a car to shake the number, sending our children to school and settling down points.

immediate impact

1. Endowment insurance: it belongs to the basic security type.

Social security cut-off has a relatively small impact on endowment insurance, because endowment insurance has been accumulated for many years. As long as you have paid 15 years when you retire, you can retire and receive a pension. Although it will not affect the pension, the treatment will be different, because the pension is a policy of "paying more and getting more", and cutting off will reduce the pension amount.

2. Medical insurance: it belongs to the basic guarantee type.

Medical insurance will be greatly affected. First of all, once the payment is cut off, you can't enjoy medical reimbursement from the first day of the following month. After the payment is renewed, you have to wait for three months for social security to be used normally (you can reimburse it manually within these three months), but the money in your personal account can continue to be used.

Secondly, if the payment is suspended for more than three months, the continuous payment time will be cleared, and the amount of reimbursement enjoyed will be affected.

Then, if you want to enjoy lifelong medical reimbursement after retirement, it takes 25 years for men to have sexual intercourse and 20 years for women to have sexual intercourse in Beijing. At the same time, you can apply for medical insurance retirement after retirement.

3. Maternity insurance: it belongs to employment-related type.

In Beijing, in order to enjoy the maternity reimbursement and receive the allowance, the employee must pay for it continuously for 9 months before delivery (if the insured employee pays for it continuously for less than 9 months before delivery and for 12 months after delivery, the employee's maternity allowance will be supplemented by the basic maternity insurance fund. ), if there is a cut-off payment in the middle, you can't enjoy maternity reimbursement and apply for allowance when you give birth.

4. Unemployment insurance and industrial injury insurance: they are types related to employment.

Unemployment insurance is originally a guarantee that will only be started if you are unemployed. After leaving your job, you can apply for unemployment subsidies in accordance with the regulations of the local social security bureau.

As for work-related injury insurance, it basically has no effect, because it is not needed during resignation.

indirect effect

1, shake the number to buy a car and buy a house:

In Beijing, if you want to buy a car and buy a house by lottery, you need to pay social security records for nearly five years. At present, the social security payment for buying a car by shaking the number is effective; However, only three months of social security payment for buying a house can be counted as continuous payment. More than 3 months, re-accumulated.

2. Children go to school:

Before children go to school in Beijing, they need to pay social security records for 6 months in the school district. If the payment is stopped, the children will not be able to go to school.

3. Points settled:

Social security is a prerequisite for the settlement of points. If you want to settle in Beijing, you need to pay social security in Beijing for nearly 7 years (the accumulated payment record is no more than 5 months). If you stop paying, it will be very difficult.

In addition, there are other policy conditions, such as visa immigration, study abroad passport, residence permit and so on. You need to pay social security records continuously, which will have an impact once you pay them off.

Fourth, how to avoid social security payment?

In order not to affect your life, you must avoid paying social security, so you must deal with social security issues when you leave.

First of all, the best way is to find a new job before resigning, so that you can continue to pay social security in the new unit after leaving the original unit, so that seamless connection will have the least impact on us.

Secondly, if Beijing household registration personnel can go to the Social Security Bureau to pay flexible occupational social security themselves during job-hopping, the years of flexible occupational social security can be combined with the years of employees, which has little impact on us, but there are household registration requirements and they can only pay endowment insurance and medical insurance (unemployment insurance can also be paid in some areas).

Then, if you don't work in your household registration, you can call an acquaintance company or find a social security payment agency to apply for social security at your workplace. This method requires less, you can pay the same social security base as the on-the-job employees, and then enjoy the same welfare benefits, but the company expenses and personal expenses need to be borne by yourself.

The same is true for freelancers and unemployed self-employed individuals, and try to avoid paying their own social security.

5. How can I repay if I have broken off diplomatic relations?

For the social security that has been paid off, due to the new social security payment rules in 2020:

Only those who have recently paid social security for less than three months can pay it back;

If the enterprise fails to pay social security to employees in full and on time, then employees can defend their rights and ask the enterprise to pay back;

The remaining employee social security will be difficult to pay, except for the following three situations:

1, 196 1 to 1982 local educated youth who go to the countryside;

2. Local registered elderly people who have participated in employee pension insurance (male over 65 years old, female over 60 years old)

3, local urban household registration, has established labor relations with state-owned enterprises or county-level and town-level collective enterprises, and reached retirement age before 20 10 12 3 1.

The rest of the time, employees want to pay social security contributions, they can find social security payment companies, but the cost is high and the time is long, which may not be worth it.

6. What if I can't repay my retirement years?

So what about people over 45 who haven't bought social security, or people who have bought social security but can't meet the requirements of 15 by the age of 60?

1, delayed retirement

If you reach the legal retirement age and the social security is not enough 15 years, you can apply for delayed retirement for up to 5 years.

2. Insure urban and rural residents.

It can also be transferred to social security for urban and rural residents and paid to 15 in one lump sum after reaching the age of 60. However, due to the different pension insurance systems, although the one-time payment is low, the benefits enjoyed are very different, and the pension will be greatly discounted.

3. Withdraw from endowment insurance

You can also choose to withdraw from pension insurance. After confirmation by relevant institutions, the employee's basic pension relationship is terminated, and the previously paid personal account storage amount is paid to me in one lump sum. But after retirement, there is no way to enjoy the benefits of medical insurance and old-age care.

To sum up, social security contributions will not only affect social security itself, but also affect many policy benefits. Moreover, it is increasingly difficult to pay social security, and some policy benefits are not recognized even if they are paid, so we must pay attention to social security and try not to let it be paid off.