How long will the social security card expire?

Social security card suspension will not be invalid, only medical insurance will be suspended for more than three months, and medical insurance reimbursement will no longer be enjoyed.

The social security paid by employees consists of five types of insurance: endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. After the interruption of social security, the impact on different types of insurance is different.

Among them, endowment insurance is to calculate the cumulative payment period. As long as the insured person has paid the old-age insurance for 15 years before retirement, he can enjoy the old-age security, so the temporary interruption of the old-age insurance will not have much impact.

Medical insurance, like endowment insurance, also calculates the cumulative payment period. Once the medical insurance is interrupted, the previously paid medical insurance period will not expire. However, once the medical insurance is interrupted, those who are hospitalized during the interruption will no longer be able to enjoy medical reimbursement. That is, after the medical insurance is interrupted, all the expenses of seeing a doctor are borne by themselves, while after the medical insurance is interrupted for 3 months, the insured has to pay the medical insurance for more than half a year before the medical reimbursement guarantee can be restored.

If unemployment insurance, industrial injury insurance and maternity insurance are interrupted, it will not have much impact on the insured.

legal ground

Article 15 of the Social Insurance Law of People's Republic of China (PRC) * * * Basic Pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc. Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council. Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.