What should I do after the endowment insurance for urban workers is broken?

What to do after the endowment insurance for urban workers is broken is as follows:

1. First of all, we must know that the endowment insurance will not be invalidated, and it is calculated cumulatively. 1 July, 1998 1 Those who have joined the work before and have paid the basic old-age insurance premium for more than 10 years,1July, 19981those who have joined the work in the future can enjoy the old-age treatment when they pay the pension at the retirement age 15 years.

2. Employees who are unemployed and receive unemployment benefits are allowed to interrupt payment, and other interrupted payment years are treated as arrears and must be paid back. If you choose to pay later and continue to pay, you can continue to calculate;

3. According to the Interim Measures for the Management of Individual Accounts of Employees' Basic Old-age Insurance, if a unit or individual fails to pay the basic old-age insurance premium in full and on time for some reason, it shall be deemed as unpaid. In the month of arrears, whether in full or in part, it will not be credited to the personal account for the time being, and it can be credited to the personal account only after the unit or individual fills in the amount of arrears according to regulations;

4. During the period when the enterprise where the employee works is in arrears with the old-age insurance premium, the employee can continue to pay the old-age insurance premium, and the full payment fee is included in the personal account and calculated as the actual payment period of the employee;

5. After the breach of contract, the future payment will be recorded by rolling distribution: that is, the payment will be made after the previous liquidated damages and interest are paid, and the rest will be paid as the current month;

6. Payment of endowment insurance requires a late fee of 2 ‰ per day. According to the actual situation, you can directly consult the local social security center, telephone12333;

7, for individual employees and flexible employees, due to income instability and other personal reasons to interrupt the payment, in accordance with the relevant provisions, according to the intermittent payment processing, are not allowed to pay. When the accumulated payment is less than 15 years, you will receive a one-time pension and no longer enjoy the pension insurance benefits.

What is the impact of interrupting the endowment insurance for urban workers?

1, when the old-age insurance is interrupted, the payment period of employees and the amount of personal accounts will be affected;

2. The social insurance agency stops issuing the employee's personal account;

3. The amount stored in the employee's personal account is reduced. All these will directly lead to the reduction of pension benefits for employees after retirement. The longer the interruption of endowment insurance, the greater the loss. Once the old-age insurance is interrupted, it will seriously affect the collection of future pensions. The longer the interruption, the greater the pension loss.

4. When reaching the legal retirement age, the time of life interruption is accumulated, and the accumulated interruption 12 months is pushed forward to calculate the pension for one year;

5. If the personal account funds are not entered during the interruption period, the personal account funds will be reduced in the future, and there will be some losses when calculating the pension;

6. If the length of service is not calculated during the interruption period, the salary for the length of service will be lost in the future.

To sum up, you can choose to supplement or renew social security. If you have time requirements, you can generally pay social security-related expenses for 3-5 years. The minimum payment period of endowment insurance is 180 months, that is, 15 years. You can give more, and then you can get more. At the same time, the pension insurance can accumulate payment years, that is, intermittent payment is allowed.

Legal basis:

Article 63 of People's Republic of China (PRC) Social Insurance Law

If the employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up within a time limit.

If the employer fails to pay or repay the social insurance premium within the time limit, the social insurance premium collection agency may inquire about its deposit account in banks and other financial institutions; And can apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their bank or other financial institutions in writing to allocate social insurance premiums. If the balance of the employer's account is less than the social insurance premium that should be paid, the social insurance premium collection agency may require the employer to provide guarantee and sign a deferred payment agreement.

If the employer fails to pay the social insurance premium in full and fails to provide guarantee, the social insurance premium collection agency may apply to the people's court for sealing up, distraining and auctioning the property whose value is equivalent to the social insurance premium that should be paid, so as to offset the social insurance premium with the proceeds from the auction.