How to transfer five risks in different places

1. Endowment insurance: Inter-provincial transfer is divided into two steps.

Endowment insurance is the most important of the five social insurances. China's basic old-age insurance system adopts the mode of combining social pooling with individual accounts, and employers and individuals pay the same fees. In the past, the insured person transferred the pension insurance relationship across regions, only to the personal account, not to the unit to pay. ?

65438+At the end of February, 2009, the government promulgated the Interim Measures for the Transfer and Continuation of the Basic Old-age Insurance Relationship for Employees in Urban Enterprises, which enabled the transfer of old-age insurance to achieve "national roaming" and solved the pain points that have plagued the old-age insurance system for many years. ?

According to this interim measure, the transfer of pension insurance relationship will adopt a "double transfer" mode, in which the individual part will be transferred in full and the overall part will be transferred to 12% of the payment base, which is equivalent to 60% of the overall part. If the employee's monthly payment base is 5,000 yuan, the social pooling part paid by the unit is 1 1,000 yuan, and the individual contribution is 400 yuan. At the time of transfer, 60% of the overall social planning (that is, 600 yuan) and the full amount of 400 yuan in the personal account can be transferred.

To handle the transfer, the insured only needs two steps: the first step is to bring the insured's resident ID card, the certificate of termination of labor relations, the household registration book and other relevant certification materials. , and to the local social security agencies to print the "basic old-age insurance payment certificate"; The second step is to take all these procedures with you, fill in the transfer application form, and apply for transfer to the social security agency at the transfer place. After that, other matters need not be taken care of, and the social security department of the new and old insured places will handle the transfer. As long as it is approved, the insured will receive a notice from the social security department and complete the transfer within 45 working days.

2. Medical insurance: medical insurance accounts are transferred with people?

According to Guangzhou's original regulations, enterprise retirees can directly enjoy the medical insurance benefits for retirees if employees have participated in employee medical insurance, including hospitalization insurance 10 years, and at the same time meet the conditions for receiving basic pensions. However, once employees move, their medical insurance benefits in their later years will not be settled. Although, with the push of the residents' medical insurance and the new rural cooperative medical system, this employee can participate in the residents' medical insurance or the new rural cooperative medical system, but the employee's medical insurance relationship he participated in during his work is equivalent to a waste. ?

On June 5438+ 10 this year, Ministry of Human Resources and Social Security promulgated the Interim Measures for the Transfer and Continuation of the Relationship of Basic Medical Insurance for Migrant Workers, which stipulated that migrant workers can transfer the medical insurance relationship and personal account funds accordingly when they are employed across provinces, and it will be implemented on June 5438+0. ?

This interim measure stipulates that from July 1 2065438, migrant workers' cross-provincial employment can transfer their medical insurance relationship, and their personal accounts can follow the transfer. In addition to the inter-provincial transfer of medical insurance relations, with the change of the identity of the insured, three different types of medical insurance relations, namely, basic medical insurance for urban enterprise employees, basic medical insurance for urban residents and new rural cooperative medical care, can also be transferred to each other. Migrant workers who work in cities can participate in the basic medical insurance for local employees at their places of employment, and can take them back to the countryside and turn to the new rural cooperative medical system without interruption.

As far as specific procedures are concerned, the transfer of medical insurance is simpler than that of endowment insurance. According to the provisions of the Interim Measures, workers who leave their jobs in new cities can join the basic medical insurance for local urban workers. The social security agency in the new employment place informs the social security agency in the original employment place to handle the transfer formalities, and the workers no longer enjoy the basic medical insurance benefits in the towns in the original employment place. The original place of employment shall issue an insurance certificate for future reference while suspending the insurance formalities.

At the same time, the balance of personal accounts is transferred through insurance agencies. This means that as long as you provide enough true information when you apply for medical insurance in your new employment place, you don't have to worry about the complete transfer of medical insurance relationship.

3. Unemployment, industrial injury and maternity insurance: not "universal"

The Regulations on Unemployment Insurance stipulates that the establishment of urban enterprises and institutions is transferred across the overall planning areas, and if the unemployed move across the overall planning areas, the unemployment insurance relationship will be transferred accordingly. Before unemployment, if the accumulated payment time of the employer and the unemployed person is less than 5 years 1 year, the longest period of receiving unemployment insurance benefits is 12 months; If the accumulated payment time is less than 10 years, the longest period of receiving unemployment insurance benefits is 18 months; If the accumulated payment time exceeds 10 years, the longest period for receiving unemployment insurance benefits is 24 months. ?

When it comes to formalities, employees who move in this province or go to other provinces shall go through the formalities for the transfer of unemployment insurance relationship with the agency that accepts unemployment insurance business in the original unit. The agency shall issue the employee's insurance payment certificate, and the employee shall use this certificate to continue the unemployment insurance relationship with the unemployment insurance agency where he moves in, without transferring funds.

If the unemployed are transferred across provinces during the period of receiving unemployment insurance benefits, the agency in the place of emigration shall issue a certificate. Unemployed persons shall continue the unemployment insurance relationship with the agency in the place where they move out with the certificate and the Employee Unemployment Insurance Manual, and receive unemployment insurance benefits in the place where they move out according to the standard, without transferring funds. If the unemployed migrate across provinces, the agency in the place of emigration shall issue a certificate and transfer the required funds, and the unemployed shall go to the agency in the place of emigration to continue the unemployment insurance relationship with the certificate and fund transfer procedures.

Among the five social insurances, only three types of insurance are of transfer significance: pension, medical care and unemployment. Work-related injuries and maternity are "pay-as-you-go" types of insurance, and there is no transfer problem. ?

At the same time, work-related injuries and maternity are two types of insurance that do not require employees to pay their own expenses. If the unit fails to pay these two social insurances for employees during work-related injuries and maternity, then employees will not be able to enjoy the benefits paid by social insurance funds.

4. Provident Fund: Buying a house in a different place can only be withdrawn at one time.

Take Beijing as an example. If an employee leaves Beijing to work in other places, and if his work unit in other places establishes a housing provident fund account for him, then he can transfer all the money in the Beijing housing provident fund account to the housing provident fund account in other places. At the time of handling, the employee shall provide the transfer-in unit acceptance certificate, transfer-in unit housing provident fund establishment certificate, transfer-in bank account number, bank name, employee ID card and other related materials to the original unit in Beijing, and apply to the account management department through the housing provident fund manager of the original unit. ?

If an employee comes to work in Beijing from other places and has built a new housing provident fund account in Beijing and deposited the housing provident fund, the employee can transfer the original provident fund to the Beijing Provident Fund Management Center, and send the account opening certificate of housing provident fund transfer issued by the account opening management department of the unit to the transfer unit in other places for transfer and remittance procedures, and at the same time remind the transfer unit to indicate the name, ID number and registration number of the transferred employee on the remittance slip.

Extended data

Five insurances and one gold refer to several kinds of security benefits provided to workers by employers, including endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund.

"On-the-job employees should pay the housing accumulation fund in accordance with the regulations." Housing accumulation fund is a "payable" project, which is legally necessary, and paying it also means an obligation.

20 16 March 23rd "13th Five-Year Plan" outlines the implementation of maternity insurance and basic medical insurance in parallel. This means that in the future, with the merger of maternity insurance and basic medical insurance, the familiar "five insurances and one gold" will become "four insurances and one gold", medical insurance will be merged with maternity insurance, and some large enterprises will buy benefits for their employees, such as personal accident insurance and critical illness insurance.

Before the end of June, 2065438+2007, maternity insurance and basic medical insurance for employees were merged in some pilot areas, and the inspection expenses were reimbursed together with general medical expenses. The pilot period is about one year. The first batch of pilot areas include Handan, Hebei, Jinzhong, Shanxi, Shenyang, Liaoning, Zhengzhou, Henan, Yueyang, Hunan and other cities 12. After the merger of the two insurances, the future will be four insurances and one gold. People who participate in medical insurance can enjoy maternity insurance benefits.

References:

Five insurances and one gold-Baidu Encyclopedia