Why is maternity insurance suspended after paying social security

The situation of paying social security but showing that maternity insurance is suspended may be due to a number of factors.

I. Difference in contributions between social security and maternity insurance

Social security usually consists of five major types of insurance: pension, medical care, unemployment, work-related injuries, and maternity insurance, of which maternity insurance is one. The contribution rates and regulations for each type of insurance may be different, so even if the overall social security contribution is normal, the maternity insurance may be discontinued for specific reasons.

Two factors that may lead to the suspension of maternity insurance

Late or insufficient contributions: If the contributions for maternity insurance are late or insufficient, it may lead to the suspension of the insurance. This may be due to negligence on the part of the individual or the organization, or a decrease in the ability to make contributions due to a change in the economic situation.

Unit's failure to pay on time: In some cases, the unit may fail to pay the employee's maternity insurance premiums on time for various reasons, which may lead to the suspension of the employee's maternity insurance.

Policy adjustments or system updates: Sometimes, the government may make adjustments to social security policies or updates to the social security system. In these cases, there may be a short period of maternity insurance suspension, which will usually return to normal after the policy is implemented or the system is stabilized.

Not updating personal information in a timely manner: If an individual's household registration, marriage, employment and other status changes, but fails to notify the social security department in a timely manner to update the information, it may also lead to the suspension of maternity insurance.

Third, how to deal with the suspension of maternity insurance

Enquiry on the reason for suspension: First, individuals should enquire about the specific reason for the suspension, and they can get the relevant information through the website of the social security department, telephone enquiries or on-site inquiries, etc.

This is the first time that an individual should enquire about the reason for suspension.

Repayment of fees: If the suspension of insurance is due to late or insufficient payment of fees, individuals or organizations should pay the appropriate fees in time to restore maternity insurance coverage.

Updating personal information: If the suspension of coverage is due to changes in personal information that have not been updated in a timely manner, the individual should submit the relevant supporting documents to the social security department in a timely manner to update personal information.

Consult a professional organization or lawyer: If the issue of insurance suspension is complicated, individuals can consult a professional organization or lawyer for more specific solutions.

In summary:

Paying social security but showing maternity insurance suspension may be due to a variety of factors, such as differences in contributions, late or insufficient contributions, failure of the unit to make timely payments, policy adjustments or system updates, and changes in personal information that are not updated in a timely manner. Individuals who find that their maternity insurance coverage has been suspended should promptly inquire about the reasons and take appropriate measures to reinstate their maternity insurance coverage.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 53 states:

Employees shall participate in maternity insurance, and the employer shall pay maternity insurance premiums in accordance with the state regulations, and the employee shall not pay maternity insurance premiums.

Article 54 stipulates:

Where the employer has paid maternity insurance premiums, its employees shall enjoy maternity insurance benefits; the employee's unemployed spouse shall enjoy maternity medical expenses in accordance with state regulations. The necessary funds are paid from the Maternity Insurance Fund. Maternity insurance benefits include maternity medical expenses and maternity allowances.

The Labor Law of the People's Republic of China

Article 73 stipulates:

Laborers are entitled to social insurance treatment in accordance with the law in the following circumstances: (4) female workers during pregnancy, childbirth, and breastfeeding