How to deal with the provident fund and various insurances during the period of resignation and unemployment?

When we choose to leave, social security is also a link that we need to focus on. Social security includes five insurances and one gold, namely, endowment insurance, medical insurance, maternity insurance, work injury insurance, unemployment insurance and housing accumulation fund.

If the social security is not handled well, resulting in payment failure or other problems, it will bring us a lot of unnecessary trouble in the follow-up.

So, what should we do with our social security after leaving the company? Will it have a great impact on payment?

After an individual leaves his post, he terminates the labor contract with the unit, and the unit naturally stops paying the salary of the individual who leaves his post.

00 1: endowment insurance

If there is no insurance, no renewal, less than fifteen years, when I reach retirement age, all personal contributions will be returned to me.

002 medical insurance

Therefore, in terms of old-age insurance, the problem is not too big, and there will be no big problem in paying off. Medical insurance is to see a doctor, so it is more important. In a social security year, if the insured person is interrupted for no more than 3 months, it is still regarded as continuous insurance.

The next month when an individual stops participating in insurance, if there is a balance in his personal account, he can still use it. When he stops participating in the insurance for more than 3 months, the cap line of the annual overall medical insurance fund in that year is calculated according to the new continuous years of participation, but it does not affect the calculation of accumulated years.

Therefore, in terms of medical insurance, the short-term suspension of payment has little effect.

003: industrial injury insurance and maternity insurance

Industrial injury insurance and maternity insurance have no personal accounts and will be cancelled after leaving the company. In other words, industrial injury insurance and maternity insurance can only be enjoyed on the job.

In particular, maternity insurance must be purchased for 10 month before you can enjoy the relevant policies in 1 1 month. This will easily lead to the failure of payment, that is to say, you can not renew your social security until you find the next job.

Therefore, industrial injury and maternity insurance must be paid off together with the individual's resignation, and it is impossible to pay it back. I can only wait for you to find the next enterprise and continue to pay social security.

004 unemployment insurance

Unemployment insurance is the most basic social security provided by the state to the unemployed, but not all unemployed people can receive unemployment insurance money.

According to Article 17 of the Regulations on Unemployment Insurance, if the accumulated payment time of the employer and the unemployed person is over 1 year and less than 5 years, the longest period for receiving unemployment insurance benefits is 12 months; If the accumulated payment time is less than 10 years, the longest period of receiving unemployment insurance benefits is 18 months; If the accumulated payment time exceeds 10 years, the longest period for receiving unemployment insurance benefits is 24 months. If you are unemployed again after re-employment, the payment time will be recalculated, and the time limit for receiving unemployment insurance benefits can be combined with the time limit for receiving unemployment insurance benefits from the previous unemployment, but the maximum time limit shall not exceed 24 months.

Therefore, after resigning, you can take the relevant documents to the Human Resources and Social Security Bureau to receive unemployment benefits, and the payment of unemployment insurance needs to wait until you find the next unit.

005: Housing accumulation fund

Housing provident fund is jointly paid by units and individuals, which can be used to purchase or repair houses, and can be extracted by itself or by entrusting units.

You can go through the transfer formalities after leaving your job. You need to open an account in the new company and give it to the old company, so that the old company can transfer the money from the original account to the new account.

Individuals can't pay the housing provident fund, and it is easy to cut off the supply, which makes individuals unable to apply for housing provident fund loans in the near future.

Summary:

After leaving the company, the company will provide the termination/rescission of the labor contract and the termination time on the contract, that is, the time when the company stops paying the provident fund and social security.

Social insurance can be paid at the service window of the Social Security Bureau with the certificate of the firm according to the proportion calculated by the local average social wage, so as to realize individual payment.

And housing provident fund, individuals can not pay.

Of course, you can also find a corresponding service organization to connect your social security relationship, and individuals can pay five insurances and one gold.

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