Social security was interrupted for several years. How to calculate the social security paid in advance?

Among the social insurance we pay, endowment insurance and medical insurance are two major types of insurance. Although social insurance is cumulative, if payment is interrupted, it will have a serious impact on individuals.

1, pension insurance is interrupted-

Once the old-age insurance is interrupted, it will seriously affect the future pension collection. The longer the interruption, the greater the pension loss.

1- 1, the length of service will not be calculated during the interruption period, and the salary for the future length of service will not be counted;

1-2. No funds entered the personal account during the interruption period, resulting in the decrease of funds in the personal account in the future.

There will be some losses when calculating the pension;

1-3. When the legal retirement age is reached, the interruption time in a person's life will be accumulated, totaling 12 interruptions.

The monthly pension will be calculated one year in advance.

For example, if someone retires in 2020, if he has accumulated payment all his life, then he should pay according to the accumulated payment.

When retiring, the average social wage of the previous year is used as a parameter to calculate the pension, but if

Accumulated life interruption 12 months (after 2003), the previous one will be pushed forward.

Calculation of social evaluation salary.

2. Medical insurance is interrupted-

The interruption of medical insurance payment will also have a great impact on individuals.

Ring, the impact has the following two parts.

2- 1, during the interruption of medical insurance payment, you can't enjoy medical insurance benefits, that is to say, you can't.

How many years have I paid medical insurance before, but I can't during the interruption of payment

Enjoy all reimbursement benefits of medical insurance.

2-2. Interrupting the payment of medical insurance will also affect the payment period of your life, which is stipulated by the state.

Male medical insurance is not less than 25 years, and female medical insurance is not less than 20 years. If the payment is interrupted, it may be returned.

It will cause you to accumulate fewer years.

The calculation formula of pension is too complicated. I suggest you consult the local social security bureau.

Pension 15 years, 20 years for medical women and 25 years for men.

This is true in theory, but there will definitely be a difference between continuous payment and overdue payment.

Social security payment needs to pay late fees.

It is common for people to jump ship and cut off social security. Many people who want to pay back don't know that social security has been broken for more than a certain period of time, and they have to pay late fees and interest. From the date of breach of contract, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.

Yun previously reported that a citizen in Beijing wants to pay 20 10 to 20 14 one-year endowment insurance, totaling 34 195.8 yuan, in addition to the interest of 229 1.24 yuan and the late payment fee of 28,766.84 yuan, totaling 3,654,438 yuan. The late payment fee and interest are almost close to the paid amount, which should be unexpected for many people who want to pay back.

How to calculate the late payment fee

From July of 20 1 1 year to June of 20 1 year, from the date of default to the day before the employer declares that the social insurance premium has been paid successfully, a late payment fee of 0.5% will be charged according to the unpaid amount, that is, when the insurance premium is paid after July of 201/year (inclusive).

The calculation rule of late payment fee is: 0.5 ‰ of unpaid social insurance premium per month = late payment fee. In the actual implementation process, the collection of late fees is generally aimed at the insured units that fail to pay the fees on time. For the individual insured, if the payment is not made on time, there is generally no late payment fee, but if the cross-year arrears are overdue, the late payment fee must be paid.

Supplementary application conditions

(1), an application must be made by the employer;

(2) There is a factual labor relationship between the employer and the individual;

(3), provincial units should be insured and not insured, resulting in arrears of social security, can apply for social security to pay.

Treatment process

(1), after the unit submits the information, the social security agency personnel will review the supplementary information, and issue an Acceptance Receipt if it is qualified, and it will not be accepted if it does not meet the requirements.

(2) After the application for overdue payment is accepted, the overdue payment formalities shall be completed within 20 working days. After the formalities are completed, the employer can take the acceptance receipt to the information distribution window of the insurance relations department to collect the returned materials.

service charge

Many people don't know that social security has to pay late fees for a certain period of time. From the date of breach of contract, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.

The calculation rule of late payment fee is: 0.5 ‰ of unpaid social insurance premium per month = late payment fee. (Impose late fees, generally for the insured units that fail to pay on time. )

After you change companies, social security will be transferred to your new company, and you will continue to pay social security. If you want to pay back the previous break, you can ask the company whether you can pay it back.

If you leave your original work city, you need to bring relevant documents to the transfer window of the social security center for social security transfer and continue to participate in the insurance in the new work city.

Individuals who participate in the employee pension insurance can receive the basic pension on a monthly basis after reaching the statutory retirement age and paying a total of 15 years. In other words, employees participating in endowment insurance must meet two conditions to receive pension:

One is to reach the statutory retirement age.

Second, the accumulated payment of endowment insurance premium has reached 15 years.

If the accumulated payment is less than 15 years, you can receive the accumulated funds in your personal account when you retire.

Simply put, pension money is divided into two parts: basic pension and personal account pension. Generally speaking, if the salary paid over the years is basically the same as the local average salary, and you continue to pay for 30 years, the pension you can get is about half of the monthly salary before retirement.

The calculation method of monthly basic pension is: when I retire, 20% of the average monthly salary of local employees in the previous year+the amount stored in personal account/120. After the payment is stopped, the pension is still calculated according to the social wage of the previous year when the payment is stopped, and the payment period is short, and the amount stored in the personal account is small, so the grade of the pension received after retirement is correspondingly reduced.

The calculation formula is as follows:

Pension = basic pension+personal account pension;

In which: basic pension = (average monthly salary of employees in the whole province last year+average monthly payment salary of myself) 2 years of payment 1%.

Monthly basic pension = basic pension+personal account pension+transitional pension;

Transitional pension = the average monthly salary of employees in the whole province in the previous year+my average salary index 65438+the payment period before February 365438 (including deemed payment period) 1.4%.

Calculate according to the situation

For example, let's see how much social security we can get after paying 15. People who work after 1995+00+00: pension = basic pension+personal account pension.

Assume that Mr. Li began to pay endowment insurance in 2007, and the minimum payment period is 15 years. According to the data released by Jiangxi Provincial Bureau of Statistics, from 2007 to 20 1 1, the average wages of employees in Nanchang in recent years were 19 14 yuan, 2 14 1 yuan, 2,538 yuan and 2,920 yuan respectively. Based on this average increase, by 202 1, the average monthly salary of employees in Nanchang is about:1914+(15325) = 6789 yuan.

See here, can you count?

It doesn't matter if you don't, as long as you know something:

Pay more, you will get more, and pay more, you will get more.

Therefore, the longer you live, the more you can get, which is definitely more cost-effective than paying.

For us, social security is probably the two most important insurances: endowment insurance and medical insurance. One is to ensure our life when we are old, and the other is to solve the problem of seeing a doctor when we are old. Social security was interrupted for several years. How to calculate the social security paid in advance? As a worker who has been engaged in social security for many years, I will also express my views on this issue from two aspects: endowment insurance and medical insurance, hoping to help everyone.

First, the main social security payment methods in China

At present, there are two main ways of social security payment in China, one is urban workers' social security, and the other is urban and rural residents' social security.

Social security for urban workers

Urban employee insurance mainly includes endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. Paid by the enterprise and the employee himself. Five types of insurance are borne by the company according to a certain proportion. Individuals bear three insurances: old-age insurance, medical insurance and unemployment insurance.

Social security for urban and rural residents

Social security for urban and rural residents is a national unified insurance system that combines new rural social endowment insurance and urban social endowment insurance. Compared with social security for urban workers, the cost of social insurance payment for urban and rural residents is less, and the principle of paying once a year is implemented. Of course, the pension received after retirement is relatively small, and the proportion of medical insurance reimbursement is low.

Second, the main differences between urban workers' social security and urban and rural residents' social security

1, the payment entity is different.

The payment of social security for urban workers is shared by enterprises and individuals; Social security for urban and rural residents consists of individual and government subsidies;

2. The forms of payment are different:

Urban workers have a fixed contribution ratio (pension-enterprise: 20%, individual 8%; Medical insurance-8% for enterprises and 2% for individuals); The Social Security Society of urban and rural residents will set the payment grade (generally the lowest 100 and the highest 2000), and individuals will choose the payment grade and pay according to their actual situation.

3. The payment period is different.

Social security for urban workers shall be paid on 1 month 1 day in principle. Social security for urban and rural residents shall be paid annually.

Third, social security broke off for several years. How to calculate the social security paid in advance?

First of all, the calculation of social security payment period is calculated according to the accumulated years.

As can be seen from the above legal basis, our social security payment period is calculated by accumulation. In other words, even if there is arrears, the social security we paid in advance is still useful. Below, I will make a detailed analysis of different payment bases.

(A) social security fees for urban workers

At present, the calculation of social security payment period in China is mainly based on the actual cumulative payment period. During the suspension of payment, the payment period is not calculated. If there is a subsequent renewal, it can be combined with the payment period before the payment is suspended. If the accumulated minimum payment period is reached, you can go through retirement procedures normally.

Example:

Answer: Mr. Sun's social security payment period is 2010-1997 =13 respectively.

2020-20 13 =7 years

After Mr. Sun reaches retirement, the cumulative payment period is 13+7=20 years.

Meet the retirement conditions (1, at least one year old; 2. You can go through the retirement formalities normally.

Note: In addition to the minimum payment period of old-age insurance reaching 15 years and reaching retirement age, there are also requirements for the payment period of medical insurance. The general payment period is about 20 years, and there is a requirement for continuous payment in retirement areas (mostly in first-tier cities, and there will be differences in different regions). I suggest you consult the local social security department for confirmation in advance.

(2) Payment of social security for urban and rural residents.

The social security contributions of urban and rural residents are similar to those of urban workers, mainly based on the actual cumulative payment period. The difference between the two is that those who have not paid the endowment insurance for urban workers 15 years before early retirement are not allowed to pay in one lump sum. We need to postpone retirement until we pay 15 years before we can go through the retirement formalities; However, if it is the old-age insurance for urban and rural residents, and the pension payment period is less than 15 anniversary when reaching retirement age, you can choose to pay in one lump sum.

Fourth, it was not until 2003 that the social security payment was first required by the state, and then it was interrupted for several years because of further study. I continued to work after 2008 and have been paying social security until now, continuously. How will I calculate the social security paid in advance after retirement?

Back to the landlord's question, suppose the landlord starts to pay social security from 1992 and retires in 2020, then our payment period is

2003-1992 =11year

2020-2002= 12

Our final cumulative payment period is 1 1+ 12=23 years.

In this way, the landlord has reached the requirement of retirement, and when calculating the payment period of pension, it is calculated according to 23 years. When you reach retirement age, you can also go through retirement procedures normally.

Have you learned the calculation method of social security years?

This is my view on this issue. Thank you for reading.

As an HR with many years of experience in social security management, I would like to remind everyone that social security should not be interrupted easily, because it will have a certain impact on the current social security benefits and future retirement. However, in real life, social security withholding is also very common. After the social security is paid off, how to calculate the social security paid before, and what impact will it have on the current and future retirement of individuals? In fact, different types of social security contributions have slightly different calculation methods and personal impacts. Let's make a concrete analysis based on the problems below, hoping to help you!

1. What are the types of social security in China? 1. According to the payment type, there are two main categories:

(1) Social security for urban workers.

(2) Social security for urban and rural residents.

2. According to the identity of the insured, it can be subdivided into two types:

(1) Enterprise employees are insured. Social security payment for urban workers, in which: the enterprise pays five insurances (pension, unemployment, work injury, medical care and maternity) and the individual pays three insurances (pension, medical care and unemployment).

(2) Personal identity insurance. Personal identity insurance can be subdivided into two payment methods:

One is to participate in insurance as a flexible employee and pay social security (pension and medical care) for urban workers.

The second is to participate in insurance as urban and rural residents and pay social security (pension and medical care) for urban and rural residents.

Second, how to calculate the social security paid in advance after several years of intermittent payment? (1) Payment of social security for urban workers.

1. The old-age insurance has been paid off. Because after the establishment of the old-age insurance system, the actual payment period is mainly used as an important basis for accounting for pensions. The payment period before the payment deadline is still valid. The payment period is not calculated during the interruption period. After the renewal of payment, the payment period before the termination of payment can be calculated cumulatively.

Lao Wang's cumulative payment period: 2005-1995+2020-2010 = 20 years.

2. Pay off the medical insurance (maternity insurance). On the issue of medical insurance payment, we often hear a word called "Qing". "Zero" means that when you have been interrupted for more than 3 months or more, it will be regarded as the interruption of continuous medical insurance payment period. After the interruption, the maximum reimbursement amount and reimbursement ratio of serious illness clinics will be reduced to a minimum. In fact, what is "clear" is the reimbursement ratio, not the payment period, so don't worry too much about young people.

3. Pay off unemployment insurance and industrial injury insurance. In addition to enterprise insurance (including social security paid by individual affiliated units), individual insurance is unable to pay unemployment and work-related injury insurance. Therefore, unemployment insurance and industrial injury insurance are not very important to personal influence, because individuals who pay these two insurances cannot enjoy unemployment and industrial injury treatment. Life insurance is originally unemployed. If you are worried about injury, you can pay accident insurance for yourself.

(2) Payment of social security for urban and rural residents.

1. The old-age insurance has been paid off. If you pay it once a year, you can accumulate the payment period. Similar to the endowment insurance for urban workers, the years paid before can be merged after you join the insurance. If you retire at the age of 60, and the payment period of the old-age insurance is less than 15, you can also pay it in one lump sum, and you can retire when you pay it to 15, which is not big for personal influence.

The medical insurance has been paid off. Payment is made once a year, and the payment period cannot be accumulated. Therefore, when the medical insurance is paid off, you can't enjoy the current medical insurance benefits.

Third, how many years of intermittent social security contributions have affected the current and future retirement of individuals? Whether you pay social security for urban workers or for urban and rural residents, there are two main effects after the payment is stopped:

1. If the old-age insurance is paid off, part of the actual payment period will be lost. When handling retirement, the actual payment period cannot be combined, and this part should be deducted. Generally speaking, if you lose the contribution of 1 year, you will lose about 100~ 150 yuan's pension.

2. Refusal to pay for medical insurance will affect the proportion of reimbursement, and even you can't enjoy medical insurance reimbursement. For example, in Shenyang, if medical insurance (maternity) is paid off within 10 months before delivery, you cannot apply for maternity allowance. When you retire, if your urban workers' medical insurance payment period is lower than the minimum payment period required by the local government, you cannot apply for retirement. If your medical insurance for urban and rural residents is paid off, you can't directly enjoy medical insurance reimbursement.

Write it at the end: 1 Suppose you start to pay social security from 1993, stop paying social security from 2003 to 2008, continue to pay social security after 2008 and retire in 2023. How many years is your accumulated payment period, and what effect does it have on pension?

Your cumulative payment period is: 2023-1993-(2008-2003) = 25 years. When calculating the pension, it shall be calculated according to the accumulated payment period of 25 years. Relatively speaking, if the payment is suspended for five years, the pension will lose 500~750 yuan. In addition, in most areas, retirement after 25 years of social security payment can enjoy lifelong medical insurance benefits.

2. Pay social security if you can, and don't lose big because of small. If forced by economic pressure or other reasons, it is suggested to pay social security for urban and rural residents, and pay it annually, which is lower in cost and more cost-effective.

3. Social security is suspended. If your social security is interrupted and you really can't pay it, you must go through the formalities of stopping the insurance, and don't think about paying it back later. The cost of repayment is quite high. From the date of default, you will be charged a late fee of five ten thousandths every day; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed. Therefore, if you don't want to pay, you must go through the formalities of stopping insurance.

Many people don't take social security payment seriously, thinking that it's no big deal to break it. What do you think of this?

Well, if social security is interrupted before retirement, the social security paid before the interruption will not be cleared, and the balance in personal accounts, including pension insurance and medical insurance, will not be cleared, and the payment period will still accumulate. You also mentioned that from 2003 to 2008, if you didn't pay social security, then this period will not be included in your social security payment period. The remaining years of normal social security contributions will still be accumulated together. If you pay social security in two places, you can also move the social security to the current social security payment place, so that your social security payment period will be merged.

However, we must know that the time when social security is interrupted will never come back. In addition, you can apply for retirement as long as the accumulated payment period of old-age insurance reaches 15 years, but the accumulated payment period of medical insurance needs to reach 25 or 30 years, and some places require continuous payment of 10 years.

To sum up, if you stop paying social security for a few years, it won't have much impact. As long as the payment is renewed in time and the social security payment status is maintained, you can still get better pension benefits after retirement.

@ jingjingjingjing, thank you for reading.

Generally speaking, the basic endowment insurance you pay for employees is calculated cumulatively. However, what we usually call social security includes five kinds of insurance.

Article 16 of the Social Insurance Law stipulates that individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid the accumulated contributions for fifteen years.

So the endowment insurance you pay in advance will be calculated cumulatively. What about medical insurance? If you retire, you want to continue to enjoy the basic medical insurance for employees. Generally, it is necessary to accumulate payment for a certain number of years. After retirement, you can enjoy the basic medical insurance for employees who do not need to pay.

At present, due to the different policies of provinces, cities and even regions, this payment period is not the same. Qingdao female, 20 years, male, 25 years. Yantai has become, 25 years for women and 30 years for men.

If this payment period is not enough when you retire, you can make it up at one time. However, you need to fill in the social base of 100%.

What about the other three? Such as work injury, maternity and unemployment. What about after retirement First look at work-related injuries. If you don't work after retirement, you don't have to mention work-related injuries. If you want to use the afterheat to work in other units after retirement, buy commercial insurance.

Second, when it comes to fertility, gay men can't enjoy it if they pay maternity insurance. What about lesbians? I admire you for being pregnant! But the country does not support it. So you can't pay maternity insurance.

Third, look at unemployment. When you retire, the state gives you a lifelong pension, not to mention unemployment.

Therefore, these three items will be cleared as long as the payment period is retired.

What if you haven't retired? Industrial injury insurance is settled immediately, and there is no accumulated period.

So is maternity insurance. Before giving birth, you must pay 12 months continuously to enjoy it, and there is no cumulative period.

Only unemployment insurance is cumulative. At present, you enjoy unemployment benefits for three months every year, up to 24 months. At the same time, there are other trainings, such as paying medical insurance and so on.

At present, the new "Regulations on Unemployment Insurance" is being consulted. It is said that people who receive unemployment insurance benefits have to pay basic old-age insurance.

Whether the employee's pension insurance is paid off or the employee's medical insurance is paid off, your payment period is calculated cumulatively, but there is a gap in payment, which may always have a certain impact on retirement benefits.

What we talk about everyday is mainly employee pension insurance and employee medical insurance. Let's interpret it separately.

What are the circumstances of individual withholding payment? Employee social security payment will generally be cut off for the following personal reasons:

1, temporarily unable to continue to pay due to personal or family economic reasons;

2, migrant workers in the search for a new unit, or to the new workplace during the payment;

3, the employees of this unit resigned, laid-off, buyout, unemployment or dismissal after the payment;

4. During the employee's self-funded study or criminal punishment;

5, because the family moved to other places, the payment was cut off.

How is the repayment period of employee pension insurance calculated? What effect will it have? No matter what form you pay off, how many times you pay off, and where you pay off, when you finally retire, the social security department will comprehensively verify and collect your pension insurance contributions in various time periods and payment places, and calculate your accumulated payment years as the basis for calculating your pension.

Due to personal reasons, there is no policy of paying overdue money. Once the money is paid off, there is no way to make up for the lost years. When the accumulated payment period is not 15 years before the retirement age, the retirement time will be delayed because the payment time is too long.

If we originally wanted to improve the pension benefits by increasing the payment period, it may affect the increase of the payment period because of the suspension of payment, thus affecting the improvement of the pension.

How to calculate the payment period of employee medical insurance? What effect will it have? After the employee's medical insurance is paid off, the payment period is also calculated cumulatively.

However, the impact of medical insurance withholding may be greater than that of pension, because the cumulative payment period of medical insurance is generally 25 years for men, and women enjoy lifelong medical care for free after 20 years of retirement, and the minimum payment period is relatively long.

Therefore, once the medical insurance is cut off, not only can you not enjoy the medical insurance benefits in time during the cut-off period (it will take half a year to start enjoying the medical insurance benefits after re-payment), but it is more likely that the payment period will not meet the minimum requirements when you retire due to the cut-off of medical insurance, and you need to pay in one lump sum or continue to pay for the specified period, which greatly increases the payment cost.

As long as you have time to look at the social insurance law, this problem will be solved.

The Social Insurance Law clearly stipulates that individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid 15 years when they reach the statutory retirement age.

The rules are clear. Cumulative calculation of endowment insurance contributions. No matter how many times or years the payment period is interrupted, as long as you have paid 15 years by the statutory retirement age, you can receive the basic pension on a monthly basis.

However, it should be noted that "social security has been paid intermittently for several years". What is the reason? This is very important.

If you have paid off for several years during the labor relationship with your company, you must pay it back in these years, otherwise it will affect your retirement. In this case, you can make up the payment first, go through the retirement formalities, and then claim compensation from the unit through litigation.

Social security has been interrupted for several years, and the social security paid in advance can be calculated cumulatively when you retire later. Don't worry about this.

The condition of receiving old-age pension in China is that the accumulated contributions of old-age insurance have reached 15 years.

Therefore, in the middle, if there are reasons such as unemployment and re-choosing a career, social security will be broken. , you can continue to pay in the future, and the payment period can be calculated cumulatively.

If you just break off diplomatic relations halfway, some benefits will have to wait for a certain period of time before you can enjoy them.

For example, medical insurance, after three months of breaking off diplomatic relations, can only enjoy medical insurance benefits after six months of resumption of payment, and the waiting period is six months.

In addition, unemployment insurance needs to be paid 1 year, and only qualified people can receive unemployment benefits.

There is also a maternity allowance for female employees, which is required in most areas. Only those who pay maternity insurance 1 year or more before giving birth can enjoy maternity allowance.

As far as enjoying the old-age pension is concerned, the accumulated contribution of the old-age insurance can reach 15 years.

To sum up, it is no problem to break off diplomatic relations for several years. Enjoy the old-age pension, with accumulated contributions of 15 years. So keep paying now.

There seems to be a saying in the past that the payment of social insurance cannot be interrupted, depending on the continuous receipt of pensions in the calculation period. The specific background is not clear. Let's talk about the actual situation now, and don't rule out the differences between regions. Let's take Tianjin for example.

Whether social security breaks affects retirement Now the calculation of pension depends on the cumulative payment, so social security breaks are not a factor that affects the enjoyment of retirement benefits, as long as the payment period of the corresponding insurance is met.

Of course, the longer the rest, the less the pension will be calculated in the future, which should be understandable.

If you have received unemployment benefits during the period of social security suspension, what impact will it have on retirement? If you have applied for unemployment benefits during the period of social security suspension, unemployment insurance will pay for your medical insurance during the period of receiving unemployment benefits. In other words, during this period, the payment period of medical insurance will be counted, but because there is no individual insured, the old-age insurance is interrupted, and the pension is not counted as the length of service.

Special circumstances of breaking off insurance1If the non-labor contract workers did not pay social security contributions in June 5438+1993 10, their previous working years will not be regarded as length of service.

This is a special case. Some people find that they don't have a seniority assessment form when they are nearing retirement, or there are problems with the seniority examination. If it was because of the company's breach of contract, you can try to recover it. If it is really due to personal reasons, there is no way, and the length of service before 1993 1 will also be invalid.

If the above content is helpful to you, please forward it and like it @ jingjingjingjing.