What to do if you didn't pay pension insurance during the period of receiving unemployment benefits

Timely inquiry and make up the unpaid pension insurance.

It is important to understand the impact of not paying pension insurance

The most direct impact of not paying pension insurance during the period of receiving unemployment benefits is that it may lead to a reduction in the number of years of personal pension insurance contributions, which in turn affects the level of pension benefits in the future. In addition, the interruption of pension insurance payment may also affect the continuity of the individual's social security, which adversely affects the individual's social security rights and interests.

Second, inquire about the specifics of unpaid pension insurance

Unemployed people can inquire about their pension insurance payment during the period of unemployment through the social security department of their location or the online inquiry system. Knowing your specific payment record will help determine the time period and amount of unpaid pension insurance.

Third, retroactive pension insurance

For unpaid pension insurance, the unemployed can choose to make retroactive contributions during or after unemployment. The specific policy and process of making up the contributions may vary from region to region, so the unemployed need to consult the local social security department or related organizations to understand the specific requirements and operational steps for making up the contributions.

Fourth, planning for future social security contributions

The unemployed should also plan for their future social security contributions while making retroactive pension contributions. Whether they are re-employed or choose other ways, they should ensure that their social security contributions are not suspended to protect their social security rights.

Fifth, seek professional advice and help

For problems encountered in the process of social security payment and replacement, the unemployed can seek professional advice and help. Social security departments, related organizations or professional lawyers can provide relevant advice and services to help the unemployed solve social security problems.

In summary:

Unpaid pension insurance during the period of receiving unemployment benefits will adversely affect one's social security rights and interests, and the unemployed should pay attention to their own pension insurance payment status, and make timely inquiries and make up for the unpaid pension insurance. At the same time, plan for future social security payments to ensure that their social security rights and interests are protected. When dealing with social security issues, you can seek professional advice and help to ensure that your rights and interests are safeguarded.

Legal basis:

The Social Insurance Law of the People's Republic of China*** and the State of China

Article 10 stipulates:

Employees shall participate in the basic pension insurance, and shall pay the basic pension insurance premiums by the employing unit and the employees*** together.

Individual industrial and commercial households without employees, part-time workers who do not participate in basic pension insurance with their employing units, and other flexibly employed persons may participate in basic pension insurance and pay basic pension insurance premiums by themselves.

Methods of pension insurance for civil servants and staff members administered under the civil service law are prescribed by the State Council.

The Social Insurance Law of the People's Republic of China

Article 16 stipulates:

Individuals who have participated in basic old-age insurance shall receive a basic pension on a monthly basis if they have accumulated 15 years of contributions by the time they reach the legal retirement age. Individuals who have participated in basic old-age insurance and have contributed for less than fifteen years by the time they reach the legal retirement age may contribute until they reach the full fifteen years, and receive a basic pension on a monthly basis; they may also be transferred to the new type of rural social old-age insurance or the urban residents' social old-age insurance, and enjoy the corresponding old-age insurance treatment in accordance with the provisions of the State Council.