How to deal with five insurances and one gold for city work?

The pressure of working and living in first-tier cities is not generally great. At two o'clock in the morning, there are still many office buildings brightly lit. Gradually, this group of people gathered from all over the world. Some of them tried their best to take root in the first-tier cities, while others walked to the next stop with ease. The first question is-what about the insurance paid in the city now? Can social security be transferred? Don't worry, I'll write an article to solve your trouble of changing places ~

First of all, social security can be transferred, but! Can't transfer it all!

For example, if I paid social security in my hometown of Yueyang, Beijing, and paid social security in Beijing for ten years, but I transferred the social security in Beijing to my hometown or Yueyang because I changed jobs, there would be a big problem. My previous payment time in Beijing will be completely emptied. Even if I transfer my social security back to Beijing before I retire, it will not be counted as what I paid in Beijing, which will directly lead to the loss of the opportunity to retire in Beijing.

Our social security refers to endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. Under normal circumstances, the real transfer is pension insurance and medical insurance. Their transfer policies are also inconsistent.

Endowment insurance: transferable personal account, overall account, and the principal and interest of individual contributions in the individual social insurance rights record received every year;

Medical insurance: when going through the formalities, the medical insurance department will liquidate the personal account of medical insurance. If there is a balance in the personal account, the remaining funds can be transferred. But the overall account, that is, the part paid by the unit, cannot be transferred.

It should be reminded that individuals should participate in the insurance payment within three months after terminating the original basic medical insurance relationship. If the payment of medical insurance is cut off for three months, the continuous payment period of medical insurance will be cleared, which will affect the purchase of cars and houses and the settlement in some places. At the same time, you can't enjoy medical insurance benefits after paying off, and you can continue to pay. Don't return it! ! ! ! !

2. Change the city to social security?

Why change cities to social security? In order to use social security, you can combine the money you paid before with the money you have now and enjoy more benefits. Therefore, it is suggested to give priority to the part that will have an impact on current life, that is, to switch to medical insurance first.

As a guarantee that can only be received after retirement, old-age insurance does not need to be transferred immediately after the city, and can be handled after the retirement location is determined. In this way, if you want to change city life within two years, you can "leave".

3. How to transfer social security?

First of all, social security transfer needs to meet two conditions:

1 once participated in social security in the transfer place, and had a record of insurance payment before transfer (note that there can be no record of unpaid payment, and the insured has not reached retirement age).

Ps: Under normal circumstances, social security transfer requires men to be under 50 years old and women to be under 40 years old. Beyond this age, it is difficult to transfer to another school, which must be noted! ! ! 1

2 work in other places in the province/outside the province and participate in local social security (that is, there is a receiving place, otherwise it cannot be handled. If you are a freelancer, you can choose to pay)

Both conditions are met, and we only need to take two steps ourselves: the social security departments of the two places will transfer the rest of the work without us running around. According to the policy, each process should be completed within 15 working days, and the time limit for three processes is 45 working days. According to the actual situation, it can be completed in two months if there are no problems such as incomplete materials and special circumstances.

Finally, I need to remind you. Due to the differences of medical insurance policies in different places, it is necessary to further consult the relevant departments of the two places to understand the social security transfer before turning to urban life and settling down, so as to ensure foolproof.