I want to resign and go back to my hometown at the end of the year, and then look for a job in my hometown after the New Year. What about social security?

Job-hopping is very popular among young people in contemporary China, especially those born after 1990s. Unlike the older generation, they change jobs whenever they disagree. According to statistics, more than 60% post-90s college students have worked for less than 1 year in their first job, and 28% of them will change jobs in less than half a year.

Some energetic "quitters" travel around with friends after naked resignation, some continue to look for new jobs, and some choose to go back to their hometown or live in other cities.

At present, it is the end of the year and the peak of resignation. Today, Xiang Jun will talk to you about how to deal with social security issues when resigning and job-hopping.

1. What will be the impact of paying five insurances and one gold?

◆ Old-age insurance: you can get a pension after paying 15 years. Because it is a cumulative system, the temporary suspension of payment does not have much impact, and the accounts inside will not be cleared. However, the longer the payment period, the more money you will receive when you retire. In other words, the longer the interruption, the less pension you will receive in the future.

◆ Medical insurance: those who have been hospitalized for less than 3 months can enjoy medical insurance benefits as long as they have completed the medical insurance for these 3 months; If the payment is suspended for more than 3 months, you need to re-register and pay for more than 6 months in a row before you can enjoy medical insurance benefits.

Medical insurance also pays a certain number of years and can enjoy medical treatment for life. If the payment is suspended for more than 3 months, the payment period will have to be recalculated. However, after the payment is cut off, the balance of the personal account and the payment period will not be cleared, and the money inside can still be used to buy medicine, see a clinic and pay small medical expenses.

◆ Maternity insurance: You can only enjoy this treatment after paying a certain number of years. Those who pay halfway cannot enjoy maternity reimbursement and allowance. And from the second month after the suspension of maternity insurance, you can no longer enjoy the relevant treatment.

◆ Unemployment insurance: you can only get it after paying 1 year. The longer the payment time, the longer the time to receive unemployment benefits. If the payment is cut off halfway, it will affect the collection of unemployment benefits.

◆ Housing accumulation fund: If you don't plan to buy a house, the payment will have no effect; If you want to use provident fund loans, the problem is even bigger. Take Shenzhen as an example. Before applying for a provident fund loan, you must pay for it continuously for six months, and you can't apply if you stop paying in the middle. After the payment is cut off, the money in the personal account remains unchanged, and those who meet the conditions can withdraw it at any time.

In addition, social security contributions will have some indirect effects. For example, buy a house, buy a car, apply for public rental housing, apply for a residence permit, and earn points. Supplementary payment after social security payment is not continuous payment.

In order to give priority to local students and encourage local students to enter the school nearby, it is necessary to provide records of foreign population or children from families outside the region who pay social security locally before going to school.

Second, what should I do if I resign under different circumstances?

As written at the beginning of the article, some people quit their jobs after finding a good home, some people are in naked resignation, some people start businesses or travel after quitting their jobs, and some people change their lives in cities.

Elephant fungus will be discussed from these situations:

Before I resigned, I had found a new job.

I haven't found a new job, naked resignation.

③ Starting a business/freelancing/traveling after resignation.

(4) Job-hopping across provinces and cities

The first situation: you have found a new job before you quit.

If you have found a new job, you don't have to worry too much about social security. Regular companies will have special responsible personnel to help you solve social security problems.

In this case, you don't have to worry about the payment of social security at all? A: Wrong. If you choose the wrong entry time, you may be cut off from social security payment.

√ Most companies stipulate that you will be employed before 15 every month, and the new company will pay you the social security for that month; Those who join the company after 15 every month will be postponed to next month.

Similarly, if you didn't leave your job before. 15, the original company no longer pays social security for the current month; Those who leave their jobs after 15 can pay social security for the current month.

For example, Mr. A intends to change jobs and find a new home. He agreed to join the new company on June 23rd, but Mr A resigned on June 5th. In this case, social security was suspended in June. If Mr. A resigns after June of 15, the original company will pay social security in June, and there is no breach of contract.

As a reminder, before resigning, we must find out the social security payment time of the old company and the new company to ensure seamless connection and minimize our own losses.

The second situation: I haven't found a new job yet, so I go directly to naked resignation.

If naked resignation finds a new job in the next three months, he can apply for compensation, and there won't be much problem.

If naked resignation can't find a new job in the next three months, social security will be cut off. The most affected is medical insurance, which has been paid off for more than three months. Not only will hospitalization reimbursement be affected, but the payment period will also be recalculated. After paying a certain number of years, you can enjoy medical insurance benefits for life after retirement. (it is recommended to pay social security yourself. See the third case for specific methods. )

The third situation: starting a business/freelancing/traveling after resignation.

I don't intend to find a new job after resigning. If you plan to start a business, become a professional, or simply travel, you can only pay social security yourself. There are several ways:

Pay employee medical insurance and employee pension insurance as a freelancer: bear the expenses of "company+individual" and enjoy the treatment of normal office workers after retirement. This method is limited to local accounts.

Third-party social security payment institutions: This method is expensive and easy to be deceived. Payment = "company+personal expenses+handling fee", which requires three parts of fees, and the price is naturally high. In addition, the qualifications of various remittance agencies are uneven. Once you encounter an informal institution, you will spend the money without saying anything, which will also delay things.

Participate in "social insurance for urban and rural residents": participate in street social security or neighborhood committees, with low expenses and a small proportion of medical insurance reimbursement.

You can choose the payment method according to your own situation.

The fourth situation: job-hopping across provinces and cities.

Many people choose to go back to their hometown after working in big cities for a few years, or go to other cities to experience a different life. This is inter-provincial work, involving social security transfer.

Social security transfer procedures are very simple, just do it well before retirement.

Step 1: The Social Insurance Participation Payment Voucher was issued by the social security department of the former city. Now, online processing channels have been opened in many areas, eliminating the trouble of cross-city processing.

Step 2: Take the above materials to the social security department of the city where the new unit is located and directly handle the transfer.

Third, pay more social security, where to get a pension after retirement?

There are many small partners in life, not only changing jobs frequently, but also changing cities frequently. If you pay social security in many places, where can you get a pension after retirement?

1) Those who have paid in a place for more than 10 years, reached retirement age, and met the retirement policy, can receive pensions there;

2) If the payment is made in multiple places and the accumulated service life exceeds 10 years, the last place where the payment is made 10 years shall be used for retirement and pension;

3) If you have worked in many places, but the payment period of each place is less than 10 years, in this case, you need to apply for retirement and receive a pension at the place where you are registered.

Write at the end:

The above is a summary of how to handle social security during the "resignation and job hopping" period. I hope this article can help you.