Is it better to keep more social security or merge?

Legal analysis: it is necessary to merge the social security of the two places. In the case of insurance in two places, social security can be transferred and merged, and only medical insurance and endowment insurance can be transferred. If the applicant has the basic old-age insurance relationship or repeatedly pays the basic old-age insurance premium in two or more places, it shall be cleaned up according to the principle of "transfer first and then liquidation".

1, social security transfer refers to the transfer of the endowment insurance relationship between the insured and the provinces, which requires three processes. The insured can only apply, and the rest of the work is handed over by the social security departments of the two places.

2. According to the national regulations, social security accounts cannot be established in new cities, only temporary accounts can be established, and the social security originally paid cannot be transferred to new cities. Therefore, don't think that changing jobs in a city means transferring social security to a new city, but determine which city you want to retire in. Secondly, we should consider age.

3. In the transfer of five insurances and one gold in different places, only the old-age insurance, medical insurance and provident fund have really changed. Because work-related injury insurance and maternity insurance belong to the types of insurance paid in the current period, there is no problem of transfer, and employees do not need to pay by themselves. Therefore, if the unit fails to pay these two social insurances for employees during work-related injuries and maternity, employees will not be able to enjoy the benefits paid by social security funds.

4. In social security, only endowment insurance can be renewed under the same account. The transfer of old-age insurance in different places requires a letter of acceptance from the Social Security Bureau of Xincheng District. After giving this letter to the social security bureau of the moving city, the social security bureau of the previous city will transfer the amount of endowment insurance to the account of the new city.

Legal basis: Article 19 of the Social Insurance Law of People's Republic of China (PRC) stipulates that if an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred accordingly, and the payment period will be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.