Does it matter if insurance is not covered for one month?

Personal social security will have little effect after one month, but medical insurance will be locked and cannot be used; If it is only interrupted for one month, the medical insurance can be paid later, and then there will be a three-month observation period. After the observation period, you can continue to accumulate payment years.

(A) the impact on old-age insurance

1. If the length of service is not calculated during the interruption period, the length of service salary will be paid as usual;

2. No personal account entered during the interruption period, resulting in a decrease in personal accounts in the future and a loss in the calculation of endowment insurance;

3. When reaching the legal retirement age, the time of life interruption is calculated cumulatively, and the cumulative interruption is 12 months, and the calculation of pension is pushed forward by one year.

(B) the impact on medical insurance

Newly insured employees (including those who have been re-insured for more than 1 year after interruption of payment) shall participate in the basic medical insurance according to law, and if the payment reaches 1 year (excluding the overdue period), they shall enjoy the basic medical insurance benefits in accordance with the regulations; Over six months but less than one year, according to 50%; If it is less than six months, it will not be paid. If there is no intermittent payment, or if the intermittent payment does not exceed one year, the payment in the month of hospitalization will not affect the medical insurance reimbursement.

(three) to buy a house, a car, children go to school, and suspend the qualification to settle down.

Due to the shortage of resources in many cities, social security is regarded as an important indicator in many things involving public resources. It takes 7 years to participate in the settlement of points in Beijing, 5 years to buy a house and a car, and parents' social security is also needed for children to go to public schools. These requirements for the continuity of social security are very strict. Once the supply is cut off, the fixed number of years will be recalculated, and some qualifications will even become invalid.

Legal basis:

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

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay.

Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.

Article 63 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit. If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums.

If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.