Does it matter if social security is not transferred across provinces?

Of course, cross-provincial social security cannot be transferred, and you can choose according to your own wishes. However, if the social security is not transferred, it is impossible to accumulate social security funds in different regions, which may also affect the related benefits enjoyed in the future. The minimum social security base is 30% of the average wage, and the maximum social security base cannot exceed 300% of the average wage. The higher the social security base, the more money you will get after retirement. And the social security base can only be changed once a year.

The basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

When the male insured reaches 50 years old and the female insured reaches 40 years old, there is no need to transfer immediately, and then the pension insurance relationship and fund will be transferred to the place where the benefits are received. There are two strategies to handle social security for people who often change their work places and live in uncertain places: one is to handle social security and provident fund separately at their work places, and then transfer and merge them once in a few years; The other is to ask the unit to send money to individuals in the form of wages, distribute it in a certain city or entrust a third-party company to distribute it.

The role of social security:

Social insurance is a social and economic system that provides income or compensation for those who lose their ability to work, are temporarily unemployed or suffer losses due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.

The social insurance plan is organized by the government, forcing a certain group to use part of its income as social insurance tax (fee) to form a social insurance fund. Under certain conditions, the insured can get fixed income or loss compensation from the fund. It is a redistribution system, and its goal is to ensure the reproduction of material and labor and social stability.

Need to transfer social security across provinces, the method is as follows:

If the social insurance is transferred across the overall planning area, I will bring relevant materials to the social security center to fill out the Application Form for the Transfer of Social Insurance Relationship between the Insured and Migrant Workers across the overall planning area, and go to the transfer window for transfer; If you are in an overall planning area or in the same city, you only need to go through the formalities of shutdown and insurance, and the new unit will go through the formalities of employment and insurance.

Social security transfer process:

After the insured establishes the basic old-age insurance relationship in the new place of employment and pays the fee, the employer or the insured shall submit a written application for the transfer and continuation of the basic old-age insurance relationship to the social security agency in the new place of insurance.

The social security agency of the newly insured place will review the application for transfer and continuation within 15 working days, send a consent letter to the social security agency where the insured person's original basic old-age insurance relationship is located, and provide relevant information; Do not meet the transfer conditions, make a written explanation to the applicant or the insured.

Within 15 working days after receiving the acceptance letter, the social security agency where the original basic old-age insurance relationship is located shall handle all the transfer and connection procedures.

After receiving the basic old-age insurance relationship and funds transferred by the social security agency where the original basic old-age insurance relationship of the insured person is located, the new insurance agency shall complete the relevant procedures within 15 working days, and notify the employer or the insured person of the confirmation in time. There is a gap in the cumulative calculation of the payment period of endowment insurance, which can be supplemented or not.

legal ground

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

Thirty-second individuals across the overall regional employment, the basic medical insurance relationship with my transfer, the cumulative payment period.