What should I do after studying social security for three years?

Specifically, there are the following steps:

1. First of all, after being admitted to graduate school, you can let the unit handle the procedures of social security interruption and staff reduction, and the sealing of provident fund accounts. After completing the formalities, the payment of social security and provident fund will be suspended, and then you can continue to go to school.

2. Then, because there is no employee medical insurance during school, you can't enjoy the treatment of employee medical insurance reimbursement in the future, so please be sure to buy annual basic medical insurance during school (that is, basic medical insurance for urban and rural residents, also known as basic medical insurance for college students in some cities). Of course, during the payment period, responsible schools will also remind you.

3. Then, after graduation, when re-employed, you can transfer the previous social security to a new workplace.

4. In addition, after the provident fund is sealed for a period of time, you can go to the provident fund management center with the postgraduate entrance certificate to handle the withdrawal procedures of the provident fund.

In this way, the payment period of social security and the amount of personal account of endowment insurance can be calculated cumulatively.

On the influence of social security withholding;

1, the impact of pension insurance contributions

As long as you pay 15 years when you retire, you can get a pension. Social security payment has little effect on endowment insurance in a short time. But if you stop paying for a long time, such as a few years in the middle, it will affect your pension after retirement.

In addition, pensions follow the principle of paying more and getting more. The longer you give, the more you give, and the more you get.

2. Impact of medical insurance payment

If the social security payment is cut off, starting from the next month, medical expenses can no longer be reimbursed for medical treatment, but only at their own expense. Of course, if there is a balance in the personal account of the medical insurance card, you can still continue to swipe your card to buy medicine.

In addition, the medical insurance policy of many cities is that the longer the uninterrupted payment time, the higher the reimbursement ratio and upper limit. In most cities, if the payment is suspended for more than 3 months, the continuous payment time will be cleared and it needs to be accumulated again. If the insurance is renewed within 3 months after the payment deadline, it will be regarded as continuous insurance, and you can enjoy the medical insurance reimbursement treatment normally the next month after the renewal.

It should be noted that employees who have paid a certain number of years of medical insurance can enjoy lifelong medical insurance benefits after retirement, and this number of years varies from city to city, with 25 years for men and 20 years for women in most areas. If the accumulated payment period of employees' medical insurance is not enough when they finally retire because of social security payment, then individuals may not be able to enjoy medical insurance benefits for free after retirement. (At that time, residents' medical insurance needed to be paid every year)

3. Impact of maternity insurance payment

Maternity insurance must be paid continuously for 6- 12 months, and must be paid in the month of production in order to enjoy the relevant treatment. (The specific regulations are different in each region. For example, Beijing requires continuous payment for 9 months, and Chengdu requires continuous payment 12 months. )

If the supply is cut off, there is no way to reimburse the cost of birth check-up and delivery, and you can't receive maternity allowance after giving birth.

4, the impact of unemployment insurance payment

There is basically no impact. Those who are unemployed and pay social security can receive unemployment insurance money normally; If voluntary resignation leads to the termination of social security payment, it is not unemployment, and unemployment insurance itself is not needed.

5, affect the payment of work-related injury insurance.

After the payment is cut off, it is basically useless. Unless the new unit re-pays, it can continue to participate in the insurance.

In addition, some qualifications may be cancelled:

When the social security is paid off, some qualifications (such as buying a house and settlement points) will be cleared, but the balance of the personal account previously paid will not be cleared.

Here is a table to share with you, so you can see which qualifications will be cleared more intuitively:

Regarding social security, you can also see these answers:

How to transfer social security after resignation?

How to keep social security in Beijing?

Is there a difference between personal payment of social security and corporate payment?