Does the suspension of social security have an impact?

According to the regulations, the old-age insurance must be paid for 15 years, and you can receive a pension every month after retirement. The amount of pension is related to the number of years you have paid endowment insurance, your own salary and the local average salary. However, the suspension of social security for one or two months has no effect on pension collection. As long as you have paid social security 15 years, you will be eligible for a pension after retirement. As long as you pay social security in a certain place for the longest time, reaching 10 years, you can receive a pension here, even if it is suspended for one year or even two years. Some people say that after the pension insurance is paid off, the number of years paid will be less, and the final pension will be less.

2. Medical insurance. If you pay medical insurance normally during work, you can enjoy the treatment of medical reimbursement. If you don't have a job, you obviously don't have this treatment. Therefore, if your social security contributions are cut off, you can't enjoy the medical reimbursement treatment from the next month 1, but you can continue to enjoy this treatment as long as you renew your insurance, and the intermittent payment has little effect on whether you can enjoy your life after retirement. As long as you reach the cumulative years of 20 years and 25 years, you can be reimbursed if your medical insurance is interrupted.

3. Work-related injury, maternity and unemployment insurance Work-related injury insurance is always available. As long as you pay the fee, you can enjoy the relevant treatment. The treatment is invalid during the suspension period, and you can continue to enjoy it if you pay again. Maternity insurance means that both husband and wife can apply for reimbursement of maternity medical expenses as long as one of them has paid for it continuously for one year and within one year after the wife gives birth or family planning operation. Unemployment insurance requires employees to work continuously for one year before they can receive unemployment benefits, but in fact, most people can't receive unemployment benefits after they lose their jobs, because the unemployment requirement here is that employees are dismissed. If you ask for voluntary resignation, you can't receive unemployment benefits.

Once the social security is broken, the pension insurance and medical insurance will be affected first. The old-age insurance has not reached the payment period, and after retirement, it is impossible to receive the pension, and the medical insurance is broken, so it is impossible to enjoy the medical insurance treatment. At this time, the social security card will have a recovery period of 2 to 3 months. In these two to three months, only manual reimbursement can be made, not automatic reimbursement.

Moreover, both medical insurance and endowment insurance require a certain cumulative number of years before they can enjoy exemption after retirement. General medical insurance is about 25 years. According to your local regulations, the endowment insurance is 15 years. If these two cumulative payment periods are not reached, it will be a lot of money to continue to pay or pay in one lump sum after retirement. This can still be guaranteed What's more, the accumulated payment period is not satisfied. After retirement, medical insurance can't be reimbursed, and old-age insurance can only refund the money in personal accounts. There is no guarantee!

Moreover, many first-and second-tier cities now require a certain period of continuous social security payment when they settle down, buy houses and auction cards. If you pay off, the period of continuous social security payment may have to be reset and recalculated, which will affect your eligibility to buy a house and a car.

How many months can social security be withheld?

If the social security payment is interrupted, it will mainly affect the old-age insurance and medical insurance, because the state stipulates that the accumulated payment period of old-age insurance should reach 15, and the pension can be received normally after retirement, and the principle of "pay more and get more" is implemented. The longer the interruption, the less the payment, and the less the pension.

The difference between medical insurance and endowment insurance is that both men and women who have paid medical insurance for 25 and 20 years can enjoy retirement medical treatment. If it breaks down within 3 months, you can return it. If it is broken for more than 3 months, the payment period (continuous payment time) will be recalculated, which means that the medical insurance in social security can't be counted if it is broken for more than 3 months.

Legal basis:

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

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.