How about paying less social security for one year?

If the impact is not great, you can pay it back. Social security is calculated according to accumulated contributions. As long as you pay 15 years, others can enjoy it after retirement. It's okay to be interrupted. Just find a new unit and renew the insurance directly.

1. What is the impact of paying less than one month's social security?

What if social security is interrupted for one month? Introduction: Paying less than one month's social security has a certain impact, because it is related to basic security issues such as old-age care, medical care and maternity. But the impact still depends on your personal situation.

Impact 1: Medical insurance benefits are stopped.

After the medical insurance is stopped, starting from the second month, you can't enjoy the relevant subsidies and reimbursement when you go to the hospital for medical treatment. However, if there is still money in the medical insurance card, you can still brush out the money in the medical insurance card when you buy medicine or go to the hospital for treatment (to pay the medical expenses that are not reimbursed). Therefore, if you only suspend medical insurance payment for one or two months, the impact will not be great, as long as you are in good health during this period and don't get sick and go to the hospital. As long as you pay in follow-up, you can continue to enjoy medical insurance benefits.

Impact 2: Maternity insurance is affected.

Maternity insurance is a general payment and medical subsidy provided to female employees during pregnancy and after delivery. Only if they pay social security 1 year continuously can they enjoy it. If you don't pay 1 year social security when you are pregnant, you can't enjoy this treatment.

If you don't plan to get pregnant in the short term (within one year), it doesn't matter much if you break social security for a few months.

Impact 3: It takes years to buy a house and a car.

In Guangzhou, friends with non-local household registration who want to buy a house in Guangzhou need to pay social security for three consecutive years (36 months) within five years; Buying a car and participating in the lottery require a record of paying basic medical insurance for more than two consecutive years (24 months). You can't break for a month in the middle! If it breaks down, you have to wait a few years before you can buy a house or a car. If you don't plan to buy a house or car in Guangzhou in two or three years, then social security can be very capricious. . . . . .

Impact 4: Affect children's schooling.

Children of non-local registered families attend primary schools in Guangzhou. According to the new "points admission" regulation, at least one parent has to pay social security 1 year continuously. If 1 month is broken, it will directly affect children's schooling. If you have no children now, or you are a child yourself, then this seems to have nothing to do with you. . . . . .

Impact 5: Endowment insurance

Endowment insurance must be paid 15 years. Only after retirement can you receive a monthly pension and have a sense of security. However, this 15 year refers to the cumulative payment period, which can be interrupted without continuity. That is, as long as you pay social security 180 months (that is, 15 years), you can receive a pension after retirement.

What if social security is interrupted for one month? For overdue payment, the application conditions for employees of this unit are as follows:

1。 You apply to the employer, and then the employer applies to the social security bureau;

2。 You still have a labor relationship with the employer.

There are no employees in the unit. If you really don't want social security to be interrupted, you can find a third-party social security agency to make a transition in advance and let it pay social security. There are many intermediary companies on the Internet to help pay social security. They can pay according to the minimum base and need to pay a certain agency fee.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

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

Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan. The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance. The state supports social insurance through preferential tax policies.