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What if the factory doesn't pay social security?
1. What is social security and what does it include?
1. Social insurance is a social and economic system that provides income or compensation for people who are unable to work, 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. In China, social insurance is an important part of the social security system, occupying a core position in the whole social security system. In addition, social insurance is a contributory social security. The funds are mainly paid by employers and workers themselves, and the government finances give subsidies and bear the ultimate responsibility. However, workers can only enjoy the corresponding social insurance benefits if they fulfill their statutory payment obligations and meet the statutory conditions.
2. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance.
Endowment insurance is an important part of social security system and one of the five most important social insurances. The so-called endowment insurance (or endowment insurance system) is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.
Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China. The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste.
Unemployment insurance refers to the system that the state enforces it through legislation and the society sets up a fund to provide material assistance to workers who have temporarily stopped their livelihood because of unemployment. It is an important part of the social security system and one of the main items of social insurance.
Industrial injury insurance is a social insurance system in which workers or their survivors suffer accidental injuries or occupational diseases at work, or under specified special circumstances, resulting in temporary or permanent loss of working ability and death, and the state and society give material assistance.
Maternity insurance is a social insurance system in which the state and society provide medical services, maternity allowance and maternity leave when pregnant and pregnant female workers temporarily stop working, and the state or society provides necessary economic compensation and medical care for maternity workers. Maternity insurance benefits in China mainly include two items. One is maternity allowance, and the other is maternity medical care.
Second, what is the impact of social security payment?
Impact of social security interruption:
1, medical insurance: if the payment has not been paid for three consecutive months, it cannot be reimbursed;
2. Old-age insurance: it doesn't matter if you break off diplomatic relations, you can make up for it, but you can't get a pension until you pay 15 years;
3. Maternity insurance: those who have not paid the maternity insurance premium in full and continuously for 12 months cannot enjoy maternity insurance;
4. Work injury insurance: once it is broken, it will be invalid;
5. Unemployment insurance: The break-up will not be void, and the payment period can be accumulated.
3. Can the money in social security be withdrawn?
Social security money cannot be withdrawn in principle, but it can be withdrawn under special circumstances:
1, reaching retirement age, not meeting the conditions of payment 15 years;
2. The insured dies for some reason;
3. The insured goes abroad to settle down;
4, after retirement, personal account balance;
5. Repeated payment.
legal ground
Article 84 of the Social Insurance Law of People's Republic of China (PRC)
If the employer fails to apply for social insurance registration, the social insurance administrative department shall order it to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined between one and three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined between 500 yuan and 3,000 yuan.
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