Does it matter if social security is deferred?

If the laborer or unit fails to pay social security within the stipulated time, the Social Security Bureau will notify the unit or individual to pay the overdue fine, and the use of various insurances will be affected during this period.

The possible impact of social security interruption for one month is as follows:

1, it will not be cleared after the payment is interrupted, but if the social security payment is interrupted, the medical insurance will be locked and cannot be used immediately. If it is paid later, the medical insurance will have a three-month observation period. If you choose to pay 15 years, the pension you will receive in the future will not be enough to meet the demand. Please consult the local social security bureau for details.

2. If you are going to enjoy lifelong pension, pay attention to the following two points:

The years of pension and medical insurance can be accumulated.

If it is interrupted, just pay it for enough years. If the retirement age is not enough, Beijing hukou can apply for deferred payment, and foreign hukou can only apply for deferred payment if the payment has reached 10 years. If it is less than 10 years, it can only be transferred back to the place where the account is located for renewal.

Medical insurance is broken, and medical insurance benefits will stop next month. Re-payment can still be reimbursed.

3. In the case of endowment insurance, the payment period can be accumulated and the account balance can be accumulated.

In the case of medical insurance, it is not cost-effective to interrupt for more than 3 months and recalculate the payment period.

Primary school enrollment in some areas, license plate lottery, etc. Require social security to be paid continuously. So, first find out what you need and whether you can interrupt.

legal ground

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

Article 62 If the employer fails to declare the amount of social insurance premiums that should be paid according to the regulations, the amount that should be paid shall be determined according to 1 10% of the amount paid by the employer last month; After the payment unit completes the declaration procedures, the social insurance fee collection agency shall make settlement in accordance with the provisions.

Article 63 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.

If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.