Social security paid can be returned

Paid social security can be withdrawn in the middle, but after the withdrawal of the state belongs to the state of payment, the general withdrawal of social security need to bring their own identity cards, and need to bring the employee's pension insurance handbook, and also need to bring the social insurance card and the certificate of withdrawal and other related materials. But in the withdrawal of social security at the same time, but also lost a lot of opportunities to enjoy the benefits.

A. If you have already paid your social security, can you return it?

It is possible to withdraw from the social security system in the middle of the year, but the withdrawal is a break in payment.

When you withdraw, you need to go to the local social security center with your ID card and photocopies of your ID card, employee pension insurance manual, employee medical insurance manual, social insurance card, certificate of withdrawal and application form for termination of social insurance relationship.

You need to have contributed for at least 15 years before you can receive a monthly pension when you reach retirement age. If you break the payment in the middle, you can make up for it, but it may affect your pension after retirement. For medical insurance, women who have paid 20 years of contributions and men who have paid 25 years of contributions can enjoy lifelong medical insurance after retirement.

If you interrupt your health insurance, you will not be able to enjoy health insurance during the interruption period. However, there is a buffer period from the date of interruption, if not renewed for more than three months, the number of consecutive years of contributions will be recalculated, the amount of reimbursement of health insurance and the amount of medical insurance for serious illnesses will also be affected.

Once the social security payment is broken, in addition to the participants' contribution accounting, social security benefits, such as "long-term" results have an impact, in some cities, the participants of the short-term purchase of housing, car purchase and settlement plans are more direct impact.

In Beijing, Shanghai and other megacities, the number of consecutive years of social security payments is directly linked to the purchase of housing, car lottery, and household qualifications. In Beijing, for example, non-Beijing residents are required to pay social security or taxes for five years to qualify for a home purchase;

and to buy a car, you must meet these two conditions at the same time. In addition, to buy a house or a car in Beijing, it is emphasized that "continuous" payment is invalid. In addition, to buy a house or a car in Beijing, they emphasize "continuous" payment, which is not valid for making supplementary payments.

Beijing's current social security policy is that, after the interruption of social security can be requested to make up for the payment, go to the social security bureau can be processed. "As long as you can prove the labor relationship, there is no limit to the number of years, no matter how long you can make up." Repayment of social security for the pension does not have much impact, but will affect the qualification to buy a house or car.

Two, individuals for social security types

First, pension insurance

1, pension insurance monthly amount to pay, in the time of the staff will give you a good calculation, is based on the local last year's social wage for the calculation of the local business or other flexible employment personnel in the participation of the pension insurance will be in accordance with the monthly average salary of the employees on duty The first is to pay the basic pension insurance premiums of 20% of the average salary of the employees on the job.

2. Pension insurance should be paid for at least 15 years. You have to wait until you retire before you can apply for a monthly pension. You can get a monthly pension only when you retire.

Secondly, medical insurance

1. If you are an urban resident, you can buy urban medical insurance by registering with the community committee or social security office under your jurisdiction.

2. Rural residents can participate in the rural cooperative medical care, usually the village committee will notify when to pay, will be unified for processing.

3. How you are self-employed to participate in the insurance, you can choose to build only a general fund, not to build a personal account, according to the local average monthly salary of the previous year to pay the basic medical insurance premiums; you can also choose to pay 8% of the local average monthly salary of the previous year, to establish a personal account.

Individual social security refers to what we usually call to participate in social insurance in the name of the individual, according to the words of the document, it should be "self-employed workers, freelancers to participate in social insurance". Individual social security is a basic guarantee for future life.

Note

1, can only participate in the pension, maternity, medical insurance three insurance, can not participate in the work injury, unemployment insurance.

2, the insured person's first contribution 6 months after the occurrence of major medical expenses, you can enjoy the treatment of major medical insurance. The insured person who participates in the medical insurance for major illnesses must pay the contributions continuously without any interruption. If contributions are overdue for three months, it is considered a break. Before the interruption of five years of continuous contributions and has not been reimbursed for major medical expenses, the time before and after the time of its re-payment is calculated consecutively; less than five years of contributions or five years but enjoy the benefits of the medical insurance for the major diseases, its re-payment, six months after the occurrence of the medical expenses of the major illnesses, in accordance with the provisions of the Scheme to enjoy the benefits of the medical insurance for the major illnesses.

Moreover, only one-time hospitalization medical expenses exceeding 1,300 yuan will be reimbursed; outpatient and emergency medical expenses will not be reimbursed.

If you buy social insurance, you can only apply for pension insurance, maternity insurance and medical insurance. At the same time, different types of insurance, the contribution rate is different, the general social security contribution base will be calculated according to the annual average salary of employees. Pensioners need to pay 15 years of contributions before they can retire and receive a pension.