It's a waste of time to pay social security for so long

1./kloc-You don't have to pay endowment insurance after 0/5 years?

Endowment insurance is a kind of five insurances, and the state stipulates that enterprises and employees should pay together according to different proportions. Among them, the cumulative payment of endowment insurance exceeding 15 is only a basic condition for employees to apply for retirement when they reach the national legal retirement age, which does not mean that they need not continue to pay 15!

According to Article 10 of the Social Insurance Law: "Employees shall participate in the basic old-age insurance, and employers and employees shall jointly pay the basic old-age insurance premium." Paying social security is a legal obligation. Even if it has been paid 15 years before retirement, it should continue to be paid until the employee retires.

Extension:

1. The longer the length of service, the longer the accumulated payment period and the more pensions.

2. The higher the salary, the higher the payment base and the more pensions.

3. The later the retirement age, the more old-age expenses and pensions.

4. The more developed the local economy, the higher the average wage of employees, and conversely, the more pensions.

Second, is there a grade in the calculation of employee pension?

The level of employee pension insurance benefits is directly linked to the payment time, the payment base over the years, the average salary of employees on the job in the previous year when employees retire, and the amount stored in individual accounts of pension insurance. After retirement, the amount of pension paid by employees is based on the actual payment of each employee over the years and calculated according to the pension calculation formula.

Under the influence of the above factors, the pension benefits of enterprise employees after retirement can be said to be "thousands of people and thousands of faces", and there is no fixed grade.

Pension calculation formula:

Employee pension consists of the following three parts:

1, basic pension = (average monthly salary of employees in the previous year+average monthly payment salary when they retire) ÷2× payment period × 1%

2, personal account pension = personal account storage amount ÷ months.

3. Transitional pension is calculated according to the payment period before the implementation of individual account.

Third, can you receive unemployment insurance directly if you are unemployed?

Unemployment insurance can be collected without unemployment.

Conditions for receiving unemployment insurance benefits:

1. Before unemployment, the employer and I have paid unemployment insurance premiums for one year or less, but I still have a time limit to receive unemployment insurance benefits.

2. Do not terminate the employment relationship according to my wishes.

3, has been registered for unemployment, and there are job requirements.

Fourth, go to the community hospital first, or you won't be reimbursed?

Insured employees, minors and urban and rural students can choose 1 primary medical institutions (referred to as "small points") and then choose 1 other medical institutions (referred to as "big points") as the designated medical institutions for their general clinics. After selection, they are free to go to the big and small points for medical treatment, without asking for referral through small points. Other urban and rural medical insurance participants choose 1 as the designated medical institution for their general outpatient service.

If the insured person needs to be transferred to a hospital outside the city as a whole, it must be certified by two designated hospitals with transfer qualifications, and then confirmed by the medical insurance agency.

5. Can I lend my social security card to others at will?

Social security card is not only our identification, but also can be used for medical settlement, self-service inquiry, treatment collection, cash deposit and withdrawal and other operations.

The following acts, in violation of the provisions of the basic medical insurance law, may be suspended from using social security cards or even investigated for criminal responsibility!

1, purchase daily necessities, fitness or health care that are not directly related to disease treatment.

2, changing medicine (things), reselling drugs, applying and falsely making out inspection and treatment items to defraud medical insurance funds, buying drugs beyond the scope and hoarding drugs.

3. Fraudulent use of other people's social security cards.

Lend your social security card to others.

5. Forging or using false medical records, prescriptions, inspection reports, disease diagnosis certificates and other medical documents and medical expense invoices as reimbursement vouchers for medical insurance accounts will be regarded as medical insurance fraud;

6. It is illegal and unfair to use the social security card to prescribe more drugs than needed for illness in the hospital and then resell them to others.

Six, hospitalization can not exceed a certain amount, more than part of their own payment?

The medical insurance policy does not stipulate that the insured's single hospitalization medical expenses exceed the limit and should be settled or discharged at his own expense. However, if the insured person has reached the discharge standard or transfer standard but refuses to be discharged or transferred, the diagnosis and treatment department shall report to the hospital medical insurance office in writing for the record, and the hospital shall go through the relevant formalities for the insured person at its own expense and keep it for the record. Problems or suggestions encountered by the insured in the process of hospitalization can be reflected to the medical insurance agency.

7. Will medical insurance be cleared in 3 months?

At present, the payment history of social medical insurance for employees in Guangzhou is cumulative, and the insured person's cessation of payment will not lead to the clearing of medical insurance payment history. However, there are many influences on the insured, such as: the insured stops enjoying the social medical insurance benefits of employees in the month when the payment is stopped; Foreign household registration points system, buying a house and car, etc. It is closely related to the payment period of medical insurance; And in the long run, when the insured reaches the legal retirement age, he needs to pay the minimum number of years to enjoy the retirement medical insurance benefits.

Eight, about medical insurance, you need to know these.

If the employer fails to pay social medical insurance premiums for employees on time, the insured will not enjoy the social medical insurance benefits for employees from the next month; If the unpaid fees, interest and overdue fines are repaid within 3 months from the date of default, the medical expenses that should be paid by the overall fund during the holdover period can be repaid, and the insured person's payment period is accumulated, and the social medical insurance benefits for employees are no longer repaid. During the period, the social medical insurance benefits that the insured should enjoy shall be borne by the employer with the obligation to pay.

If the insured individual fails to pay the employee social medical insurance premium on time, it will not be paid back, and the employee social medical insurance benefits that the insured should enjoy during the period shall be borne by the individual who has the obligation to pay.