What should I do if the social security payment in Shanghai exceeds three months?

1. Medical insurance reimbursement cannot be used or the reimbursement amount is limited. If you want to resume medical insurance reimbursement after paying for more than 3 months, you need to pay again for 6 months.

2. Childbirth expenses cannot be reimbursed, but must be paid in the month of delivery, and expenses such as prenatal and postpartum examination, natural delivery or caesarean section can be reimbursed.

3. It has an impact on buying a house and buying a car. In most cities, people with non-local hukou need to pay social security for a certain period of time if they want to buy a house or a car.

Social security is social insurance, which is a social security system managed by the state and authorized by law. Through the redistribution of national income, we will raise funds through various channels, and give economic compensation to workers when their labor income decreases due to old age, unemployment, illness, work injury, maternity and other reasons, so that they can enjoy basic living security.

Of course, the first and most direct impact of social security payment or suspension is the enjoyment of social security benefits. Specifically, it includes: endowment insurance, medical insurance, maternity insurance, unemployment insurance and industrial injury insurance. Details are as follows:

I. Endowment insurance

For pensions, two conditions need to be met:

1, payment period.

2. Retirement age.

You can get a pension every month. In fact, if the payment is cut off, it will not have much impact on the endowment insurance. But the premise is: you have to pay 15 years in total.

(2) Medical insurance

For medical insurance, if the insurance premium is not paid in full for two consecutive months, the medical insurance benefits will be suspended and can only be resumed after payment in accordance with the regulations. In addition to paying all fees and late fees, medical insurance benefits are calculated according to the new insured.

1. If the insurance is stopped, the insurance premium will be stopped from the month following the social security application, and the medical insurance benefits will be terminated (the insurance premium paid before the insurance is stopped will not be refunded).

2, stop insurance within 3 months to renew, as a continuous insurance; If the insurance is stopped for more than 3 months and then renewed, it will be regarded as re-insurance, and the medical insurance benefits will be enjoyed according to the new insurance, and the continuous insurance payment time will be recalculated (the previous insurance years can be included in the accumulated payment years).

Different years of continuous payment have different medical insurance benefits, such as the maximum payment limit of basic medical insurance.

(3) Maternity insurance

For female workers, the prerequisite for enjoying maternity insurance and allowance in Shanghai is that they can receive full maternity allowance at the social security center after paying for 9 months continuously (or accumulative 12 months). At the same time, it should be noted that once the female employees with foreign household registration do not pay fees in the month of childbirth, the maternity insurance benefits will be gone. That is to say, if the continuous participation is less than 1 year due to withholding, the full maternity allowance will not be enjoyed.

(4) Unemployment insurance

Unemployed persons who meet the following conditions at the same time can receive unemployment insurance and enjoy other unemployment insurance benefits in accordance with the regulations;

1. Before unemployment, the employer and I paid unemployment insurance money cumulatively 1 year, or less than 1 year, but I have a time limit to receive unemployment insurance money.

I don't want to interrupt work.

3, has been registered for unemployment, and there are job requirements.

Therefore, as far as unemployment insurance is concerned, withholding will not be a big problem, but it must be accumulated for one year.

(5) industrial injury insurance

Industrial injury insurance doesn't require much relative to the number of years. As long as you have normal insurance during your employment, you can apply for work-related injury treatment if you are identified as a work-related injury or regarded as a work-related injury.

In other words, if you want to apply for work-related injury insurance, you must be in a normal state of participation.

(1) Clean up the house

Non-Shanghai residents who want to buy a house in Shanghai must pay social security or personal income tax for 60 months (that is, 5 years) within 63 months before the online signing date, and the one-time payment will not be recognized.

(2) Qualification for card clearance.

If foreign household registration personnel want to buy a car in Shanghai, one of the conditions for participating in the Shanghai brand auction is to hold a Shanghai residence permit and have paid social insurance or personal income tax in Shanghai for three consecutive years before the application date. It is very difficult to shake the license plate. After the social security is paid off, there is no chance to participate.

(three) clear public rental housing application qualifications.

Shanghai will add more than 20,000 sets of public rental housing this year, mainly to solve the housing difficulties of low-and middle-income groups in stages. Although there is no household registration access restriction for applying for public rental housing, people who are not registered in Shanghai must hold Shanghai residence permit for more than two years and pay social security 1 year in this city. If the social security payment is cut off, let alone buying a house and a car, public rental housing will not apply.

(four), unable to apply for a residence permit.

To apply for a residence permit in Shanghai, you need to participate in social insurance for employees in this city for 6 months. The specific conditions are as follows: apply for employment and pay social insurance for employees in this city in the current month, and pay social insurance for employees in this city for 6 months before the current month 12 months, excluding supplementary payment.

(5) The qualification for account transfer is limited.

If the holder of Shanghai residence permit wants to settle in Shanghai, one of the application conditions is to pay social insurance in Shanghai for seven years in accordance with the regulations. Although this period can be accumulated, those who have paid social insurance for three consecutive years and the social insurance payment base is more than twice the average salary of employees in this city in the previous year may not be restricted by post or professional qualification level.

(6) The qualification for handling the Hong Kong and Macao Pass is zero.

In recent years, more and more people are traveling in Shanghai. Non-registered personnel who want to apply for Hong Kong and Macao Pass in Shanghai need to have a social security record of continuous payment for one year. For example, if you apply for a pass in August of 20 18, the social security must be paid continuously from August of 20 17 to July of 20 18, without interruption for one month.

Compulsory payment of social security according to law; Guarantee the basic livelihood of the unemployed during unemployment and promote their re-employment; Guarantee the basic needs of the elderly and provide them with a stable and reliable source of livelihood; Protect women's legitimate rights and interests and improve women's employment environment; Guaranteed the basic medical needs of employees.

Legal basis:

According to Article 2 of the Social Insurance Law of People's Republic of China (PRC), the state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance, etc., to protect citizens' right to get material help from the state and society according to law in case of old age, illness, industrial injury, unemployment and maternity.