What is the impact of social security interruption for one month?

Naked resignation's changing jobs, not planning to work for the time being, or resigning from the postgraduate entrance examination will lead to the severance of social security.

How big is the impact of cutting off social security? It is very troublesome to find online rumors that the pension calculation period is cleared.

Really?

Of course not! Long-term severance of social security will indeed be cleared, but what is cleared is the continuous payment time of your social security!

As for your balance and accumulated payment time, it will not be affected!

Does that mean it doesn't matter if social security is broken? Not exactly, except for losing social security during the breakup,

If you are in a first-and second-tier city, the eligibility to settle down, buy a house and buy a car will be "cleared" after the social security payment is broken.

Because foreign hukou is listed in the north, Guangzhou and Shenzhen, social security certificate is required. For example, if you buy a house in Shenzhen, you need to pay social security for five years in a row and recalculate it for one month.

Then, on the issue of breaking social security, Dabai didn't make such a long speech, mainly talking about what protection the five insurances will lose after breaking, and what to do if they don't want to break.

1. What protection will be lost if social security is broken? Social security is what we call five insurances and one gold. Five insurances include medical insurance, endowment insurance, maternity insurance, industrial injury insurance and unemployment insurance, and one gold refers to housing accumulation fund.

When paying the five insurances, both units and individuals need to pay the funds. Among them, the funds paid by the unit enter the social pooling account, and the funds paid by the individual enter the personal account.

If our social security is broken, the money in the personal pension account and the personal medical insurance account will not be cleared, and the accumulated payment period will not be cleared.

Let's talk about the medical insurance and maternity insurance that have great influence after the social security is broken:

1, the impact of breaking off social security on medical insurance

Impact 1: Social security broke off this month, and you can't enjoy medical insurance reimbursement next month.

As you said, if the social security broke off in June+February, 5438, and you are hospitalized in June+10 next year, you will not be able to reimburse the expenses with medical insurance.

If the medical insurance is cut off for more than 2 months, the impact will be even greater, because there are regulations:

Suspension of medical insurance benefits for more than 60 days to 180 days (including 180 days) to pay back medical insurance, starting from the payment month, you can enjoy the treatment paid by the overall fund three months later; In other words, medical insurance payment has been suspended for more than 2 months. If the payment is stopped in March, April and May, the number of interruption days is 65 days, and the payment will start in May, and the medical insurance reimbursement policy will not be enjoyed until three months later.

Then, if the social security is broken off for more than 6 months and you pay the social security again, you will have to wait for 6 months to enjoy the medical insurance reimbursement policy.

Impact 2: the upper limit of medical insurance reimbursement has dropped.

In many areas, the longer the continuous payment time of medical insurance, the higher the annual reimbursement ceiling.

Take Shenzhen, where Dabai is located, as an example: continuous payment for more than 6 years, the highest annual reimbursement can be more than 6.5438+0 million, but only 6.5438+0 million can be reimbursed in less than half a year.

If the continuous payment is interrupted for more than 3 months, the continuous payment time will be cleared, and the accumulation needs to be restarted.

2. The impact of social security interruption on maternity insurance.

Maternity insurance is a hidden big welfare, which mainly includes prenatal examination, maternity reimbursement and maternity allowance.

The specific introduction can be seen in this article of Dabai:

The month after the social security is cut off, you can't enjoy maternity insurance reimbursement.

In addition, you must pay for 9- 12 months continuously and be insured in order to receive maternity allowance!

So, if the intensity of your work is not very strong, don't quit your job as soon as you get pregnant.

3. The impact of social security interruption on pension, industrial injury and unemployment insurance.

Because the break of social security has absolutely little impact on these three, I put them together.

First of all, the payment period of endowment insurance is cumulative, and it is not afraid of interruption. As long as the accumulated payment period before retirement is greater than 15, you can receive a pension.

But it should be noted that the more you pay, the more you will get in the future. Believe me, there is a big gap between the cumulative payment of 15 and the cumulative payment of 25 years.

Industrial injury insurance has little effect, but the termination of unemployment insurance will affect the amount of unemployment benefits. The longer the payment time, the more you receive. If the payment time is less than one year, you can't receive unemployment benefits;

However, there are many restrictions on receiving unemployment benefits, which need to be met:

Those who have paid unemployment insurance premiums for one year before unemployment have registered for unemployment and have job requirements, so many people who resign themselves are not eligible for pensions.

Finally, let me talk about the provident fund:

If you want to apply for a provident fund loan, the provident fund must not be broken. Because the application conditions for provident fund loans are calculated based on the number of years of continuous payment, if you have successfully applied for provident fund loans, the suspension of payment will not affect the mortgage you are paying back.

Second, I don't want to cut off social security. What should I do? This question depends on the situation! Different situations are handled differently!

I'll tell you about it according to different scenes.

(1) How to deal with social security for job-hopping in the same city?

If you plan to change jobs in this city in the near future and don't want to cut off social security, you can learn from the veteran workers, find a good home in advance, and ask when the next company will pay social security, so that it can be seamlessly connected with the past (most companies pay social security on a monthly basis 15).

If you quit your job recently and find a job is not so smooth, it is estimated that social security will be interrupted for some time. If you have a local hukou, go to the local social security bureau to choose flexible employment and pay social security yourself. Or if you have an acquaintance, you can temporarily link to a friend's company. If you don't know friends who start a company, you can go to a regular social security payment company. However, this link method has certain legal risks, so it is not recommended.

If you later find a new job, or re-employment in the original city, then the social security in this case belongs to the same overall planning area, and the new unit can go through the formalities of increasing staff, and can continue to pay fees without transfer.

(2) How to deal with job-hopping social security across provinces and cities?

If you change jobs to other cities or provinces, it involves social security transfer.

Only endowment insurance, medical insurance and housing accumulation fund can be transferred between five insurances and one fund.

If it is the same city, it does not involve social security transfer; Because of the city intranet, the information is interlinked;

1) Inter-provincial transfer of endowment insurance refers to the cumulative payment period, the cumulative amount of individual accounts and the total amount of overall accounts.

2) The medical insurance relationship can transfer the accumulated payment period and personal account balance, and this part of the overall account will enter the local social security overall fund, which will be dominated by the relevant local departments and will not be transferred.

3) Transfer of provident fund from personal account.

Whether to transfer to social security, ask yourself three questions first:

1. Is it near retirement age and need to go through retirement procedures?

2. Do the units and social security agencies in the new workplace have to ask for social security transfer?

Have you decided to settle down and retire in this city, won't there be any changes?

If you encounter 1, you can turn.

If you don't adapt, the new city is just where you stay, and you don't have to move.

Because no matter where you pay, whether you pay intermittently or not, the personal account of endowment insurance is recorded cumulatively, and the original account will not be cancelled just because you have arrived in other cities. What medical insurance transfers is only your payment period and personal account balance.

The specific transfer has opened online channels in many areas, and even I don't need to go to the scene to handle it. Let me give you a simple example here. If you want to handle the transfer, you can call 12333 to consult the operation process in your area!

You can log on to the website and then register users;

After registration, go to the home page and select "Relationship Transfer".

Select "Social Security Transfer Application"; Fill in personal information and submit an application.

You can also use the mobile APP, or use the city service modules of Alipay and WeChat, and click "Electronic Social Security Card-Social Security Relationship Transfer-Social Security Transfer Application".

Remind everyone: as long as the social security transfer application has connected the data to the platform, you can do this.

Medical insurance transfer:

The transfer of medical insurance mainly refers to the transfer of medical insurance payment period and personal account balance between different regions.

If it is a medical insurance transfer in different places, it can be:

(1) Apply to the medical insurance agency in the transfer place for issuing insurance certificates.

Before the insured person flows across the overall planning area, the insured person or his employer shall go through the formalities of suspension of insurance at the transfer agency, and provide relevant certification materials such as resident identity cards in accordance with the regulations, and apply for the issuance of insurance certificates.

(2) apply to the medical insurance agency in the place of transfer.

After the insured person is employed across the overall planning area, he should participate in the basic medical insurance transferred to the place according to the regulations. Insured persons or their newly employed employers apply to the transfer agency for transfer and provide proof of participation, fill in the Application Form for Transfer and Continuation of Basic Medical Insurance Relationship, and provide relevant certification materials such as resident identity cards as required.

(3) The transfer of medical insurance payment period and personal account balance between the transfer-out and transfer-in medical insurance agencies has been completed.

After accepting the transfer application, the medical insurance agency in the transfer place will contact the medical insurance agency in the transfer place and issue a contact letter for the transfer and continuation of the basic medical insurance relationship. After receiving the contact letter, the medical insurance agency in the transfer-out place will provide the change information form of the basic medical insurance coverage of the insured, transfer the personal account balance of the insured to the medical insurance agency in the transfer-out place, and complete the transfer of the medical insurance payment period and personal account balance.

This is an official process, you can refer to it, so I will steal it and not repair it.

Transfer of provident fund:

Provident fund is not required to be paid by the state, but a kind of welfare provided by enterprises to employees, which can provide us with preferential loans. Most companies with better welfare will pay you the provident fund. If you change jobs in the city and want to borrow money to buy a house in a new city, the provident fund can also be transferred.

In many cities, the amount of provident fund loans is directly linked to the money in personal accounts. When you borrow money to buy a house in a new city, you can only borrow money from the newly opened provident fund account here, and the loan amount will be much less. Let's talk about the transfer process of provident fund for your reference;

If it is job-hopping, it is easier to find a new job in the same city, because the original unit and the new unit are in the same service area of the housing provident fund management center. If you find a new job in a short time, tell the former unit manager not to seal the provident fund for you. When you find a new job, let the manpower help you with the information change procedures of the individual provident fund account unit.

If it takes you a long time to find a new job in the same city, just look at the time when the old unit sealed your provident fund account. If not, let the new unit open an account in the provident fund center. If it's time to seal up, the new unit needs to open a provident fund account again, and then the original provident fund account and the new account will be merged.

If you change jobs in the city, the transfer of provident fund can be operated in some mobile apps, and the "mobile provident fund" app line can also handle the "transfer and connection of provident fund in different places".

If the online transfer cannot be operated, it will be operated offline. The general operation process is as follows: the employee provides materials-the transfer-in place issues a new account certificate and a contact letter for transfer in different places to the transfer-out place management center-the transfer-out place management center transfers money or telegrams-and the transfer-in place management center registers personal subsidiary ledger.

Naked resignation is not going to work for the time being. What about social security?

If you want to take a break after resigning, you can choose to pay social security yourself, and the local account will go to the local social security bureau to choose flexible employment and pay social security yourself; Or go back to the local area to pay residents' medical insurance and residents' pension. Most areas can only be from September to 65438+February every year. Please pay attention to this!

As for resigning to take the civil service examination, no matter what unit you worked in before you were admitted to the civil service, as long as you paid the social security according to the regulations (as I said) and recorded it through the social security networking system, you can count it as the length of service and go through the entry formalities in the unit as usual.