Can I still pay the social security money? Do you know that there will be six major effects after stopping paying?

Social security concerns everyone. Participating in social security can not only protect your old age, but also reduce the pressure of seeing a doctor. In economically developed cities, they can also obtain qualifications such as buying a car, buying a house and settling down for school by paying social security, which can be said to be inseparable from people's lives. Therefore, in the process of paying social security, never pay social security, otherwise it will affect your social security benefits and other qualifications.

First, it affects the collection of pensions.

Everyone who works knows that if you want to live on a pension after retirement, you must pay accumulated 15 years of pension insurance when you retire. Moreover, China's pension policy follows the principle of overpayment and long-term overpayment. Therefore, once the payment is cut off, it will not only affect the accumulation of pension insurance payment years, resulting in the result that you can't get the pension, but also reduce your pension benefits, because it will affect the accumulation of personal account pension and the calculation of interest.

Second, it affects medical reimbursement.

In the past, once the medical insurance was paid off, you could not enjoy the medical insurance reimbursement treatment from the next month, and there was still a waiting period of 6 months after the renewal to enjoy the reimbursement normally. However, in the Guiding Opinions on Strengthening and Improving the Participation of Basic Medical Insurance, it is clearly stated that the waiting period for medical insurance benefits should be shortened. In the case of continuous payment of medical insurance for two years, the payment will be stopped for no more than three months, and the reimbursement will be enjoyed seamlessly after the renewal. If it is more than three months, the waiting period should not exceed six months according to its own situation. Although the new regulations better guarantee the reimbursement treatment for everyone's medical treatment, it is still not advisable to stop paying. After all, if you want to get lifelong medical insurance reimbursement after retirement, you have to pay enough years. For example, in Taiyuan, Shanxi, women pay enough for 20 years, and men pay enough for 25 years to enjoy it.

Third, you can't enjoy work-related injury treatment.

Industrial injury insurance is paid in full by the enterprise, and individuals do not have to bear the relevant expenses. If the work-related injury insurance is out of danger, the medical expenses incurred due to work-related injuries shall be borne by the work-related injury fund and the unit * * *, otherwise, the employer shall pay for the treatment of work-related injuries.

Fourth, you may not get unemployment insurance.

An epidemic in 2020 made many people realize the horror of unemployment. However, it is not so easy to get unemployment insurance. First of all, you have to be "forced to lose your job", that is, you are unemployed because you are dismissed or your company closes down. It is not up to the requirements to resign yourself. Secondly, you have to pay social security 1 year. If you lose your job without paying the prescribed number of years, you can't receive unemployment insurance.

Fifth, you can't enjoy maternity insurance benefits.

Maternity insurance is very important for women. After all, the cost of having children is still very high. If you want to enjoy maternity reimbursement and receive maternity allowance, you must always be in the state of payment and pay enough time. However, local regulations are different, so it is necessary to consult the local social security department specifically, so it is best not to cut off the supply if there is family planning in the future.

Sixth, it affects the qualification of buying a car and buying a house.

Take Shenzhen as an example. In addition to the necessary conditions, locals need to provide social security certificates that have been paid in this city for more than 36 months, and foreigners need to provide social security certificates that have been paid in this city for more than 5 years. If they want to buy a car, they must pay social security for two years in a row. Once the social security payment is cut off, it will be recalculated, so the cut-off of social security will affect people's eligibility to buy a house and a car.

From the above six points, we can know that social security payment has a great influence on people's lives. Therefore, if conditions permit, we must insist on continuous payment of social security.

Finally, it should be emphasized that those who participate in social security interruption payment as flexible employment can not pay back, and the employer can pay back social security fees for employees, but may have to pay a certain late fee.