Questions about the payment of social insurance for Beijing hukou

Beijing's social insurance has been interrupted for half a year, you can continue to go on. However, the longer the break, the greater the impact on the future of pension insurance, and other aspects of the impact of the specific reference as follows

A social security interruption of contributions, mainly affecting the participants of the pension insurance and medical insurance.

1, according to the relevant provisions of the Beijing Municipality, when you retire, the cumulative number of years of pension insurance contributions for 15 years, you can normally receive pension insurance; but the Beijing Municipality of pension insurance to implement the principle of "pay more, get more," due to social security interruption is not counted as years of service, the longer the interruption, the lower the amount of contributions, and the final pension is also the less.

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2. Medical insurance is different from pension insurance in that it involves the reimbursement of medical expenses, which is greatly affected by the interruption of contributions. China's basic medical insurance is a "pay-as-you-go" system, which means that no matter how many years a participant has paid contributions, once the contributions are interrupted, the period of interruption will no longer be entitled to medical insurance treatment, and medical expenses will not be reimbursed. In addition, the accumulated contribution period for medical insurance is 25 years for men and 20 years for women, then they can enjoy the retirement medical treatment.

The interruption of social security will also affect the non-Beijing residents' ability to purchase a home in Beijing.

According to Beijing's purchase restriction policy, non-Beijing families applying for the qualification of purchasing a house in Beijing by paying social security should have paid social security insurance in Beijing for 60 consecutive months starting from the last month of the application, and the month of the application must be a normal state of participation. Therefore, any interruption of social security will affect the qualification, and the retroactive payment will be invalid. Since December 18, 2012, the Beijing Municipal Commission of Housing and Urban-Rural Development has stipulated that making up social security payments will not be recognized for the purpose of qualifying for the purchase of a home.

Replacement issues are referenced as follows

I. Non-Beijing residents

Except for the reason that "the unit should have been paid but has not been paid", the insured person can not replace the social security, and after the interruption can not be entrusted with the payment of social security fees in the name of the individual organization.

Beijing urban households

Participants can, within three months of the break in the insurance, individually commissioned local municipal talent service centers or employment service centers to pay on behalf of the payment. Only the social security between October 1992 and July 2011 can be paid back, and the social security after July 2011 will not be paid back. If the insurance is cut off for more than 3 months, even if it is transferred to the talent or employment agency, there will be a 6-month medical observation period for medical insurance, and you can't enjoy the medical insurance treatment during the 6-month contribution period; however, if it is transferred to the unit to continue to pay, there is no medical observation period.

Tips: For social security payment business, you have to transfer the file to the local talent first. The specific process is:

1, with personal ID card, household register to the talent exchange service center to open the transfer letter

2, with the transfer letter to the unit will be taken out of the file

3, with the Bank of Beijing debit card, personal files and other related information to the talent exchange service center to handle the relevant procedures.

At that time, you only need to deposit enough insurance money into the debit card every month, and the minimum contribution amount is 698.79 yuan, including medical insurance, pension insurance and unemployment insurance. The Talent Exchange Service Center charges a monthly file storage fee of 10 yuan.

①, for you to say that the cumulative 15 years, can not be broken, renewed also have to make up for the above answer has been explained Note: 15 years is mainly on the provisions of the pension insurance. Retirement, pension insurance cumulative contribution period of 15 years, you can normally receive pension insurance, if less than 15 years, you can not receive pension insurance

②, I do not understand, since it is cumulative why make up for the problem of the reference is as follows

1, cumulative and make up for the non-repeat

2, cumulative is a time of pension insurance statistics, and the limit of 15 years has a direct relationship with the The relationship. If the break does not make up, this 15-year standard time period can not reach, or make up for the late, the extension of time will be longer. This must cause enough attention. Because it affects the quality of life for the rest of their lives.

3, make up, can only make up October 1992 to July 2011 between the social security, July 2011 after the social security will not make up this point in time must pay attention to

3, medical insurance, is to continue on the can take effect, or must make up to take effect, and how long do you need to continue to take effect, the reference is as follows

1, non-Beijing nationality insurance In addition to the "unit should be paid not paid" this reason, all can not make up for the social security, after the interruption can not be entrusted in the name of the individual organization to pay the social security fees.

2, Beijing urban households, the insurance more than 3 months even if the transfer to the talent or employment agency, medical insurance will have a 6-month medical observation period, 6 months during the payment period can not enjoy the medical insurance treatment; but transferred to the unit to continue to pay, there is no medical observation period, immediately effective.

Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"