How long will Guangzhou social security expire?

How long will Guangzhou social security expire?

Employees' social medical insurance participants will stop enjoying social medical insurance benefits for employees from the next month when payment is stopped, but the balance of personal accounts can continue to be used. If the old-age insurance is paid off halfway, the payment is not invalid, and the insurance can be renewed without recalculating the accumulated payment period. But it will affect your retirement benefits.

Guangzhou social security payment will affect these projects and will be "cleared"

1. The accumulated house purchase qualification was "cleared".

Guangzhou's housing purchase restriction policy stipulates that non-local household registration personnel have paid personal income tax or social insurance in this city for five consecutive years before the date of purchase, and the purchase is restricted to 1 house.

Take Guangzhou as an example, the so-called five-year payment means that the month of buying a house goes forward for five years and must be paid continuously. If it is broken halfway, it is necessary to start calculating the continuous payment time again.

Social security is broken, be careful that the qualifications you have accumulated for many years will be instantly "cleared" and recalculated!

2. The car purchase qualification will be "cleared"

According to Guangzhou's regulations on the increment index of cars, non-Guangzhou household registration personnel who participate in the lottery must hold a valid residence permit in this city, and have recently paid basic medical insurance (excluding supplementary payment) in this city for more than two consecutive years.

This means that if people working in Guangzhou have plans to buy a car, don't stop paying social security at will!

3. The settlement qualification will be cleared.

The participation in insurance is an important indicator of points entering households. For details, please refer to Guangzhou annual bonus policy.

Social security is broken, so it is difficult to settle down in Guangzhou!

4, medical insurance payment period, can not enjoy medical insurance benefits.

According to the Regulations of Guangzhou Municipality on Social Medical Insurance, if the employer fails to pay the social medical insurance premium for the employees on time, the insured personnel will not enjoy the social medical insurance benefits for the employees temporarily from the next month of arrears;

If the unpaid fees, interest and overdue fines are paid within 3 months from the date of default, the medical expenses paid by the overall fund during the holdover period can be paid back, and the insured person's payment period is accumulated, and the corresponding amount is transferred to the personal account;

If the unpaid fees, interest and late payment fees are paid after 3 months from the date of default, the insured person can accumulate the payment period and do not enjoy the social medical insurance benefits for employees. During this period, the social medical insurance benefits that the insured should enjoy shall be borne by the employer with the obligation to pay.

If the insured individual fails to pay the employee social medical insurance premium on time, it will not be paid back, and the employee social medical insurance benefits that the insured should enjoy during the period shall be borne by the individual who has the obligation to pay.

These social security withholding items have not been "cleared"

After the medical insurance is paid off, the personal medical insurance account will not be "cleared"

Someone on the internet said that medical insurance will be cleaned up in three months. In fact, the truth is that the employee social medical insurance participants stop enjoying the employee social medical insurance benefits in the month after they stop paying, but the personal account balance can continue to be used.

Endowment insurance will not be "cleared"

Pension insurance must be paid at least 15 years, and you can apply for a monthly pension when you reach retirement age.

If the endowment insurance is paid off halfway, it can be renewed, and there is no need to recalculate the accumulated payment period. But even so, it will affect your treatment after retirement.

According to relevant policies, the fixed number of years of 15 is only a prerequisite for employees to receive basic old-age insurance after retirement. If the payment is interrupted for several years, the proportion of basic old-age insurance will be reduced by several percentage points, and the benefits enjoyed after retirement will naturally decline.

How to deal with the interruption of personal account payment for various reasons?

If the basic old-age insurance premium is paid intermittently for various reasons, the personal account of the basic old-age insurance will be kept, and the stored amount will bear interest continuously; If you continue to pay the basic old-age insurance premium in the future, the payment period before and after will be calculated cumulatively, and the storage amount of the personal account of the basic old-age insurance can also be calculated cumulatively.

Source:/zwgk/zcjd/zcjd/content/post _ 3088873.html.