The insurance was cut off for four months. What's the impact?

The interruption of social security payment for 4 months, the biggest impact is medical insurance, which will directly lead to your inability to enjoy medical reimbursement for these 4 months and the next 6 months. If it involves buying a house, settling down and other things that require the use of social security payment vouchers, it will also affect the qualification examination.

As for the rest, although it has an impact, it is not big. For example, the cumulative payment period of endowment insurance and medical insurance is within four months. Although it has an impact on the amount of pension, it is not too big.

1, endowment insurance

Endowment insurance, accumulative payment 15 years. After reaching retirement age, you can retire and receive a pension.

Therefore, four months without payment is nothing more than a four-month payment period. As long as the total payment months meet the minimum requirements of 15 years, it will not have much impact.

2. Medical insurance

According to the regulations, if the payment is suspended within three months, it can be paid back, and after the payment, it can enjoy medical reimbursement. It is impossible to make up for the four-month payment. There is a waiting period of six months after the new payment. During the waiting period, in case of illness and hospitalization, it is impossible to reimburse.

3. Maternity insurance

Most provinces in China also have regulations on continuous payment of maternity insurance. Generally speaking, it is required to pay for more than one year from the date of childbirth in order to enjoy the reimbursement of maternity surgery expenses and maternity allowance.

4. Work injury insurance

When a work-related injury occurs, you can enjoy work-related injury treatment as long as you pay work-related injury insurance. If work-related injury insurance is not paid but work-related injury occurs, the employer shall bear all the expenses.

5. Unemployment insurance

The prerequisite for receiving unemployment benefits is to pay unemployment insurance for more than one year. If you are involuntarily unemployed, you can apply for unemployment and receive unemployment benefits.

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

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration.

The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

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.