How many months can I stop paying social security? How to pay the most cost-effective

I believe we all know that social security is not only for us now have the most basic insurance, including the sick to buy drugs can be reimbursed, maternity subsidies, etc., but also for our retirement is also a treatment, now generally companies will buy social security for the employees, then we know that the social security can be stopped at most a few months? How to pay the social security is the most cost-effective? Interested friends will take a look at the following article.

First, the social security can be stopped for a few months at most

In general, the social security payment should not be stopped for more than three months. If more than three months, in which the cumulative years of medical insurance needs to be recalculated, and the later need to pay half a year of continuous payment before you can continue to enjoy the health insurance treatment. In addition, the social security of the suspension of insurance, the corresponding maternity insurance, workers' compensation insurance treatment will also stop.

If the employer is overdue to pay or make up for the social insurance premiums, the social insurance premium collection agency can query the bank and other financial institutions for their deposit accounts; and can apply to the relevant departments at or above the county level to make a decision on the allocation of social insurance premiums, reminding their depositary banks or other financial institutions to allocate the social insurance premiums.

Second, social security how to pay the most cost-effective

1, have a work unit, the unit to pay social security, is a proportion of the payment, the company's part than the proportion of the proportion of our own, so there is a work unit to pay social security is more cost-effective.

2, there is no work unit, the individual direct full contribution, if the past is not insured, can only be insured in the place of residence, if insured, then directly renewed, are in accordance with the flexible employment personnel contributions, more uneconomical.

3, dependent on a unit, the unit and the individual should be paid by the individual part of all contributions: this is more common in the past, especially the institutional pension insurance. In this case, the insurance contribution, the unit and the individual should be paid by the individual part of all the payment, this is more uneconomical.

Third, the company paid how to pay social security, generally how to deduct

Social security, according to the employee's salary, the unit and the individual's share of the general: 20% of the unit of the old-age insurance, the individual bear 8%; medical insurance unit to bear 6%, 2% of the individual; unemployment insurance unit to bear 1%, 1% of the individual; maternity insurance 1% all by the unit to bear; industrial accident insurance 0.8% is also borne by the unit, the employee does not bear the individual maternity and industrial injury insurance.

Social insurance mainly includes pension insurance, medical insurance, maternity insurance, industrial injury insurance, unemployment insurance and other insurance. Once the social security account has been cut off, you can continue to pay, but if you want to take it out, you can only take the money from your personal account. Social security needs to be paid for at least 15 years before you can receive a pension, and you can receive more if you pay more.