What is the impact of flexible employment and social security breaking off for two months?

Failure to pay will affect medical insurance benefits, and medical insurance benefits such as medical reimbursement cannot be enjoyed during the interruption of medical insurance. For flexible employees, social security is voluntary, and you can choose whether to postpone payment according to your own situation, but social security payment will have a certain impact.

Breaking off social security for two months has an impact on enjoying social security benefits and qualification certification;

1. If the pension insurance is suspended for two months, the personal pension account will lose two months of deposits, and the pension that can be received in the future will be reduced;

2. In the second month after the medical insurance is cut off, medical expenses for hospitalization cannot be reimbursed by medical insurance. If the supply is cut off for only two months and there is no waiting period after renewal, you can enjoy medical insurance reimbursement in the month after renewal;

If you want to use maternity insurance, you must pay for it continuously for one year. Once the social security is broken, the continuous payment period will be recalculated;

4. Work-related injury insurance will be invalid in the month when the insurance is terminated, and related expenses cannot be reimbursed in case of work-related injury.

5. Breaking off social security for two months will also affect the qualification certification of buying a house, buying a car, settling down, and going to school for children; Some cities will require foreigners to pay a certain number of years of social security before they are eligible to buy a house or car locally.

You can pay social security by yourself in the following three ways:

1, transfer to flexible employment social security: employee social security can be directly transferred to flexible employment social security, and only endowment insurance and medical insurance can be insured. All expenses are borne by yourself, and generally 20% of old-age care and 4% to 8% of medical care are required; Assuming that the selected payment base is 4000, it takes about 960 1 120 yuan a month;

2. Transfer to residents' social security: if you return to your hometown for a long time, you can participate in residents' social security directly at your domicile. The minimum standard for residents' medical insurance in 2023 is 350 yuan/year; Residents' pension insurance can freely choose the payment grade, which ranges from 1005000 yuan and is paid annually;

3. Find a payment institution: If you don't want to break the five insurances, you can find a social security payment institution to pay social security, and all five insurances can be paid. The social security fees that units and individuals need to pay are all borne by themselves, and it takes about 1.88 yuan a month.

To sum up, withholding will affect medical insurance benefits, and medical insurance benefits such as medical reimbursement cannot be enjoyed during the interruption of medical insurance.

Legal basis:

Article 58 of People's Republic of China (PRC) Social Insurance Law

The employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.