What is social security? What if social security is broken?

Social security, the full name is "social insurance". The most authoritative law in the field of social security is the Social Insurance Law of People's Republic of China (PRC), which came into effect on July 38, 1965.

China's social security system includes two main aspects.

The first is the social security of urban workers. It is divided into endowment insurance, medical insurance, family planning insurance, unemployment insurance and industrial injury insurance, which is referred to as "five insurances" for short.

The second is social security for urban and rural residents. Social security for urban and rural residents is divided into two parts: endowment insurance for urban and rural residents and medical insurance for urban and rural residents. The insured subjects are urban and rural residents who have not participated in social security for urban workers.

What if social security is broken?

Many friends will lose their social security contributions because of changing jobs or personal reasons. Some people say that the social security payment will be cleared, and some people say that if you lose the payment, you can't buy a house or car. So will the social security payment be cleared? What's the harm? How to pay after the payment is intercepted?

Today, Xiao Huijun answers this question from these three aspects:

1. Will it be cleared if it is paid off?

Nowadays, social security has become the third urgent need after housing and education. In addition to providing for the elderly and treating diseases, many things in reality are linked to social security. So if our social security is paid off, will all the qualifications be cleared, as rumored?

In fact, some qualifications will be cleared, but they can be restored after a certain period of time. However, some qualifications, such as the payment period of employee pension/medical care, are calculated cumulatively, before and after the interruption, and they are not cleared and invalidated. How exactly is it distinguished?

0 1

clear

02

Not cleared

What's the impact?

Employees don't have to worry about social security, and the unit will pay you on time. Can a nanny who has graduated and has no job for the time being, or is just a freelancer, be paid temporarily? How do individuals pay their own social security?

The answer is: these people can pay ~ for the above problems, listen to the details.

0 1

personal insurance

Let's talk about endowment insurance first: when you retire, you can enjoy the treatment after paying 15 years. Because you can accumulate, it doesn't matter much. Of course, if you want to receive a pension after retirement because you are in arrears in payment, you can only extend the payment period, that is, you have to retire after five years, or pay in full at one time, which will affect our retirement to receive a pension.

Let's talk about medical insurance: if you pay off, you won't enjoy medical insurance benefits from the next month. Once medical expenses such as hospitalization occur, it will be impossible to take the medical insurance route.

In addition, the accumulated payment period may directly affect the medical insurance reimbursement. For example, it affects the fund payment limit and the outpatient payment limit for serious illness.

Think about it, the amount of reimbursement for an insured person who has paid for one year and an insured person who has paid for ten years is very different.

02

indirect effect

Social security activities such as buying a house, buying a car, buying affordable housing, applying for public rental housing, applying for a residence permit, and entering the household with points as the threshold.

If you are a non-Hefei hukou, buying a house in Hefei requires one year of social security, and it is only possible to buy a house with social security for two consecutive years.

Take the license plate purchase in Hefei as an example. Need local hukou, local social security, Hefei temporary residence permit. If children go to school, parents should have a stable job and residence in Hefei and pay social security at the same time.

If the social security payment is cut off, the above behaviors will be indirectly affected. It is very likely to lose the opportunity to buy commercial housing, lose the license plate number or the children go to school.

03

How to pay after the payment is cut off?

Old-age insurance can generally be paid back, contact the local social security department, and the specific policy of paying back depends on local conditions.

Medical care depends on all localities. As long as the payment in Hefei can be paid in time within 3 months, the expenses incurred will not be reimbursed, but it can be counted as continuous insurance time.

So if you want to buy a house, enter a household, and pay back social security, you must first find out, because many places don't recognize paying back social security when buying a house, so you must first ask about the policies of various places. If you buy a house in Hefei, you have to recalculate the time ~

How to keep paying?

Before resigning, we should communicate with the original unit and the new unit and do a good job in social security connection. If you have left your job, you can go to the social security agency where your account is located to pay pension insurance and medical insurance.

However, it is cumbersome to pay social security to the Social Security Bureau, and social security-related information such as buying a house and buying a car can not be updated in real time. The best way is to choose a professional social security agency to pay social security and get social security-related services at the same time, which is particularly important.

To sum up, social security is the basic guarantee given to us by the state. It's best to take insurance, and don't break it if you can.

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