Can pension and medical insurance be interrupted?

Pension and medical insurance can be interrupted.

The interruption of endowment insurance will not have much impact on it. If employees do not pay during the interruption of endowment insurance, the cumulative payment period will not be accumulated. Moreover, as long as the payment period of pension insurance is over 15 years, you can receive a monthly pension after retirement. If the accumulated years are less than 15 years, you need to extend the payment period or pay the insufficient fees at one time to enjoy the old-age insurance benefits. As long as men who have paid medical insurance for 25 years and women for 20 years, they can enjoy lifelong medical insurance benefits after retirement. However, there will be a three-month buffer period from the date when the medical insurance payment is stopped. Once it exceeds three months, the continuous payment period will be recalculated. Among them, for the interruption of medical insurance, the medical insurance reimbursement function cannot be used during this period, and the later medical expenses can only be reimbursed after the continuation.

Payment method of endowment insurance:

1, the unit pays, mainly urban workers, and the unit must purchase endowment insurance for them, and the premium is shared by the unit and the individual. How much the unit gives depends on many factors, such as local social wages and the grade chosen by the unit. The Social Security Bureau has set the minimum grade and the maximum grade. The lowest grade shall not be less than 60% of the average monthly salary of social workers, and the highest grade shall not be less than 300% of the average monthly salary of employees.

2, individual contributions, you can buy your own pension insurance. That is, the endowment insurance for urban workers, which is paid according to the status of flexible employees, and individuals should bear the premiums of both units and individuals. Migrant workers who don't have a work unit should bring the original account and ID card, and the social security bureau in which district should handle the account. You can also choose to apply for residents' medical insurance, handle it in the same area as the old-age insurance, and participate in the "payment window for migrant workers" set up by the social insurance agency in this city. The specific payment standard can be selected according to the annual standard for individual industrial and commercial households and migrant workers to pay basic old-age insurance premiums;

3. You can also pay the old-age insurance for urban and rural residents and participate in the insurance at the domicile.

To sum up, the state develops social insurance, establishes social insurance system and social insurance fund, so that workers can get help and compensation in cases of old age, illness, work injury, unemployment and maternity.

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 27

Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.

Article 60

The employing unit shall declare itself and pay social insurance premiums in full and on time, and shall not postpone or reduce the payment except for legal reasons such as force majeure. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis.

Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.