What is the impact of Shenzhen social security breaking off for three months?

1. What's the impact of not paying Shenzhen social security for three months?

Old-age insurance: it has little impact, because the cumulative payment period of old-age insurance is enough as long as the minimum payment period (15 years) is met at retirement.

Impact of medical insurance withholding: you can't enjoy medical insurance treatment in the next month after withholding, and you can only seek medical treatment at your own expense. If the payment is suspended for more than 3 months, the continuous payment time will be cleared and it is necessary to start accumulation again. In addition, the premium for purchasing commercial medical insurance may rise.

Influence of maternity insurance and industrial injury insurance: you can't enjoy it in the next month after the payment is cut off. Even if you continue to hand it in this month, you can enjoy it next month.

At the same time, if it is not a household registration in Shenzhen, it will also affect buying a house, buying a car and getting points into the household. Buying a car requires continuous payment of medical insurance for 2 years, and buying a house requires continuous payment of social security for 5 years. Once the payment is cut off, it will be recalculated.

Second, what are the precautions for social security suspension?

There is no time limit for social security suspension, which has no effect on future transfer. If it is necessary to transfer, the social insurance agency (hereinafter referred to as the social security agency) where the original insurance is located will first issue the insurance payment certificate.

After the insured establishes the basic old-age insurance relationship in the new place of employment and pays the fee according to the regulations, the employer or the insured submits a written application for the transfer and continuation of the basic old-age insurance relationship to the social security agency in the new place of employment, and the social security agency in the place where the original basic old-age insurance relationship is located handles all the transfer and continuation procedures after receiving the consent letter.

If the deposit of housing provident fund is interrupted due to job changes, you can only apply for housing provident fund loans after the new unit has paid the housing provident fund for six months.

After paying social insurance for one month (the next month), you should ask the social security agency for proof of payment every month, or log on to the social insurance website to see if you really paid social insurance.

The suspension of social security payment in Shenzhen for three months has little impact on pension accounts. If it is a medical account, the account will be cleared after three months of suspension. In case of hospitalization, there is no way to reimburse, and the individual pays for it. Re-insurance must be more than 6 months before reimbursement can be resumed, and the amount is also related to the payment period. For "liquidation", it actually refers to the recalculation of "continuous payment period". Once this period is recalculated, it will affect the medical insurance benefits for the next year. However, the "cumulative payment period" and personal account balance of the insured person paying medical insurance are not affected by the interruption of medical insurance and will not be "cleared".

Therefore, if the payment of social security is suspended for three months, the overall reimbursement time and annual reimbursement amount of the insured will be affected. If the insured breaks off diplomatic relations for more than three months, the medical insurance project will be renewed and the payment period will be recalculated. If the payment period of the maternity insurance fund is recalculated and the continuous payment is less than one year, the maternity insurance benefits at the time of childbirth cannot be enjoyed. Therefore, it is recommended that the insured try not to cut off social security.