What to do if the pension insurance is cut off

Purchase of pension insurance for workers is very important, pension insurance can protect the basic life of workers after retirement, but in practice, due to the reasons for the mobility of workers, labor to buy pension insurance may appear after the case of disconnection, then pension insurance disconnection how to do? The following by me for readers to carry out the relevant knowledge of the answer.

A, pension insurance broken how to deal with

Pension insurance is the state based on relevant laws and regulations, in order to solve the problem of workers in the state provisions of the discharge of labor obligations of the labor age limit or due to old age and loss of labor capacity and quit the workplace and the establishment of a social insurance system to protect their basic life. The purpose is to use social insurance as a means to protect the basic living needs of the elderly and provide them with a stable and reliable source of livelihood.

China's pension insurance consists of four levels (or parts). The first level is the basic pension insurance, the second level is the enterprise supplemental pension insurance, the third level is the personal savings pension insurance, and the fourth level is the commercial pension insurance. In this multi-level pension insurance system, the basic pension insurance can be called the first level and the highest level.

What is the impact of the pension insurance break?

Although according to the regulations, by the time of retirement, as long as the cumulative contribution to the pension insurance for 15 years can be used to receive the pension, even if not paid for 15 years, the personal account part of the lump sum payment to the person. But the interruption of pension insurance will still cause some impact.

The period of interruption of the pension insurance is not counted as years of service, so the salary of future years of service will be reduced. Seniority pay is an important part of your salary, especially if you have worked for a long time. So if you have actually worked for 10 years, but have only accrued 7 years of social security contributions, then your seniority pay will be calculated on the basis of 7 years.

Is the pension "more contributions, more pay"?

The more you pay into your pension, the more you will receive after retirement.

The more you pay into your pension, the more you will receive after retirement. During the interruption period, there is no money coming into your personal account, so there will be a certain loss when calculating your pension in the future;

The pension is calculated according to the average salary of the year of retirement as a parameter, but it will be calculated after retirement (according to the legal age of retirement) by adding the interruption of your life, and the cumulative interruption of 12 months will be pushed forward to one year for calculating your pension. In other words, if you retire at age 60, even if you have paid for 15 years, if you accumulate 12 months of interruptions, you will receive a pension according to the average social wage of the previous year; if you accumulate 10 years of interruptions, you will also be pushed forward by 10 years.

Two, how to make up the pension insurance

Employees may not interrupt the payment of basic pension insurance contributions without reason, only the following cases can interrupt the payment of contributions: after January 2003, according to a low standard rate of contributions to private enterprises, foreign-invested enterprises to stop production or all employees during the period of unpaid wages, as well as self-employed businessmen and self-employed people, Freelancers during the period of receiving unemployment benefits, during the period of enjoying the minimum subsistence guarantee, during the period when the insured person joins the army and goes to school without pay, as well as during the period when the relevant provisions of the State allow interruption of contributions. Those who have interrupted their contributions without any reason should pay the required retroactive pension insurance premiums with interest and late payment fees.

Social Pension Insurance Replacement:

Social Pension Insurance Replacement Unemployment benefits can be applied for, within 60 days from the date of termination of the labor contract. Procedures include the termination of the labor contract, unemployment certificate, proof of payment of unemployment insurance, ID card, application form and so on to the local social security bureau.

The policy of making up pension insurance payments:

All urban households, self-employed and flexibly employed persons applying for insurance or the continuation of the basic pension insurance relationship, you must produce a business license, proof of income, proof of domicile, the termination of the labor relationship documents and other information, after reviewing and meeting the conditions for registration and the establishment of the insurance contribution file. Contributions are made from the date of enrollment and the number of years of contributions is calculated, and no extension of the actual number of years of contributions is permitted by way of recovering contributions made in previous years; for interruptions of contributions not exceeding 12 months, individuals may apply for retroactive payment of contributions during the period of interruption on a voluntary basis, and no retroactive payment will be made for periods in excess of 12 months. For those who have contributed for less than 15 years after reaching the legal retirement age, they are allowed to extend their contributions to 15 years before going through formal retirement procedures and enjoying basic pension insurance benefits. Rural households living in towns are not allowed to participate in the basic pension insurance for urban employees as flexible employment until the policy is stipulated.

The scope and conditions of retroactive contributions

can be retroactively paid before June 30, 2011 pension insurance premiums

According to reports, the official implementation of the 2011 Social Insurance Law clearly stipulates that employees should participate in the basic pension insurance, by the employer and the employee *** with the payment of the basic pension insurance premiums, the employer does not apply for registration of social insurance, the failure to pay in full and on time to be legally responsible for the payment of the employer. In order to properly deal with the "Chinese people's *** and the State Social Insurance Law" before the implementation of the province's employers owed pension insurance premiums and employees to interrupt the payment of contributions, should be insured, etc., to unify and standardize the province's basic pension insurance for enterprise employees to make up for the policy of the scope of the conditions of making up for the contribution, make up for the base and the proportion of the contribution, to make up for the years of age and the age limit and the individual account and the wage index of the contribution to make a clear provision.

Where the province's enterprise workers are still with the unit to continue the labor relationship, did not reach the statutory retirement age, for various reasons should be insured, interrupted contributions or arrears of contributions, can be made up to June 30, 2011 (including) before the years should be insured without the insurance of basic pension insurance premiums for enterprise employees.

Among them, with the province's household registration, had in the province's institutions, enterprises and public institutions, social organizations and other work experience, but for various reasons to terminate the labor relationship or leave the original unit, did not participate in the basic pension insurance for enterprise employees or interrupted the payment of male over 45 years of age, female over 40 years of age of the personnel, can be based on the valid original material, in the capacity of an individual to make up for the June 30, 2011 (and including) the former enterprise basic pension insurance premiums. Employee basic pension insurance premiums. Individual entrepreneurs with household registration in our province who received the business license before June 30, 2011 (inclusive) can make supplementary contributions to the basic pension insurance premiums of enterprise employees from the time they received the business license to June 30, 2011 (inclusive) in their personal capacity.

The above knowledge is my answer to the question of "how to deal with the pension insurance", the insured person because of the job transfer reasons to pay social insurance, you can continue to pay through their own renewal or find a new work unit to continue to pay the pension insurance.