How to calculate the number of years after social security interruption?

The social security payment period is calculated cumulatively, and can be paid again after several years of social security payment, and the payment period can be calculated cumulatively. Among them, medical insurance can only be paid off again until retirement. Endowment insurance can be paid off, as long as it is paid 15 years before retirement. Unemployment insurance must be paid continuously for more than 1 year, and you can get a pension if you leave your job voluntarily. Maternity insurance must be paid over 1 year to be reimbursed.

First, medical insurance.

After resigning, those who meet the insurance conditions should go through the insurance payment procedures within 3 months, and enjoy the medical insurance benefits for employees from the next month after going through the insurance payment procedures. Failing to go through the formalities of insurance payment within the specified time or continuously interrupting payment for 3 months, it shall be regarded as interruption of insurance.

The specified time referred to here is within 3 months that meet the conditions for participating in various medical insurance. Therefore, three months is the critical point of the impact of medical insurance interruption, whether it is insured or forgotten to pay after insurance. In layman's terms, it can also be seen as a buffer period for the impact of medical insurance interruption. Insure in time within 3 months, and you can resume treatment from the next month.

If the payment is suspended for more than 3 months, the consequence will be that you will not enjoy the medical insurance benefits during the suspension period. The most influential thing is to re-apply for the insurance payment procedures, and it will take 6 months to restore the medical insurance benefits. The medical expenses incurred during these six months, that is, the waiting period, the suspension period and the waiting period, are not covered by the medical insurance reimbursement.

Some people say that medical insurance will be cleared in three months. In fact, employees who participate in social medical insurance will no longer enjoy social medical insurance benefits from the month after they stop paying fees, but the balance of personal accounts still exists. Medical insurance has been paid for 20 years and will be enjoyed for life after retirement. Even if there is interruption during the period, as long as the cumulative time reaches 20 years, it will not be affected. After reaching the statutory retirement age, it is still not enough for the minimum payment period, and it is necessary to continue to pay the fees to the prescribed period.

Second, endowment insurance.

If the old-age insurance is paid off halfway, it can be renewed, and the accumulated payment period does not need to be recalculated, but it will affect your retirement benefits. According to the policy, the fixed number of years of 15 is only one of the prerequisites for receiving basic old-age insurance after retirement. If the payment is interrupted for several years, the proportion of basic old-age insurance will be reduced accordingly, that is to say, the longer the payment time, the higher the payment standard and the higher the treatment after retirement. On the contrary, the benefits enjoyed after retirement will decline. According to the regulations, if the payment is less than 15 years, the amount of the individual account of endowment insurance will be refunded in full, but the part paid by the unit in the overall account will be wasted.

Three, unemployment insurance, work injury insurance, maternity insurance

These three types of insurance can be followed up by the new unit after resignation, so it has little to do with the suspension of payment. However, when maternity insurance requires fertility or family planning surgery, the employer has participated in maternity insurance and paid the maternity insurance premium in full 12 months.

Four. housing accumulation fund

Housing provident fund can only be paid by the unit, not by the individual, so once you resign, you will definitely stop paying unless your new job is renewed immediately. There will be no consequences if you stop paying the housing provident fund. The money is still in your provident fund account, and you can take it out if you meet the relevant conditions.

Legal basis:

Social insurance law

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.