What if I change my job and don't transfer to social security?

Job hopping without transferring social security will lead to the damage of social security rights and interests, affect personal credit and increase the difficulty of handling.

First, the social security rights and interests are damaged.

After changing jobs, if you don't go through the social security transfer formalities in time, the new unit will not be able to continue to pay social security for you. This will lead to the interruption of your social security payment record, which in turn will affect your social security rights and interests. For example, in terms of medical insurance, after the payment is interrupted, medical expenses will not be reimbursed; In terms of pension insurance, the interruption of payment records may affect your future pension benefits.

Second, it affects personal credit.

Social security payment record is one of the important bases for evaluating personal credit status. If your social security payment record is interrupted, it may have a negative impact on your personal credit. When applying for loans, credit cards and other financial services, financial institutions may take your social security payment records as one of the reference factors, and the interrupted payment records may reduce your credit rating, resulting in your inability to obtain financial services smoothly.

Third, increase the difficulty of handling.

If the social security transfer procedure is not handled for a long time, it may complicate the social security relationship and increase the difficulty of subsequent handling. For example, you may need to spend more time and energy to inquire and sort out the previous social security payment records, and you may even need to deal with some problems such as late payment fees caused by interruption of payment.

Fourth, how to deal with it?

In order to avoid the above adverse effects, social security transfer procedures should be handled in time when job-hopping. Specifically, you need to get the social security payment certificate from the original unit, and then go through the transfer formalities at the social security agency where the new unit is located. In the process of handling, you need to provide relevant identity certificates and social security payment certificates. At the same time, you also need to know the social security policy and payment standard of the new unit to ensure that your social security rights and interests are guaranteed.

To sum up:

Job hopping without transferring social security will lead to the damage of social security rights and interests, affect personal credit and increase the difficulty of handling. In order to avoid these problems, workers should go through the social security transfer procedures in time to ensure their social security rights and interests are guaranteed.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 19 stipulates:

If an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred with him, and the payment period will be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.

People's Republic of China (PRC) social insurance law

Article 32 provides that:

If an individual is employed across the overall planning area, his basic medical insurance relationship will be transferred accordingly, and the payment period will be calculated cumulatively.

People's Republic of China (PRC) labor contract law

Article 50 provides that:

The employing unit shall issue a certificate of dissolution or termination of the labor contract at the time of dissolution or termination, and go through the formalities for the transfer of files and social insurance relations for the workers within 15 days.