What happens to social security and provident fund after I leave my job? What will happen if the social security and provident fund is interrupted

One, medical insurance broken

Five insurance in the medical insurance is particularly important to us, so its broken payment impact is also the biggest.

Impact ①: can not reimburse the medical expenses

Most areas of the medical insurance payment of the second month can not be used;

If this time to go to the hospital, it means that all the medical costs need to be borne by their own, not a penny to report.

Of course, you can still use your own personal account, but you won't be reimbursed for hospitalization and other expenses.

Only in a very small number of areas can you still be reimbursed within three months of breaking your health insurance.

If you have questions, consult your local social security office.

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In Shenzhen, for example, the maximum annual reimbursement for more than six years of continuous contributions is more than 1 million, but only 100,000 for less than six months of new participation.

If you break your continuous contribution for more than 3 months in Shenzhen due to leaving your job or other reasons;

the continuous contribution time will be cleared and you need to start accumulating again.

The zeroing here refers to the zeroing of the continuous contribution time, the individual account balance will not be zeroed.

Impact ③: buy a house, buy a car, points into the household

Also in Shenzhen, for example, if you are not a local household, to buy a car lottery need to pay 2 years of continuous medical insurance, to buy a house need to pay social security continuously for 5 years, once the broken payment to be recalculated.

Impact ?: commercial medical insurance premiums

Most of the million medical insurance on the market is divided into two versions, one suitable for those who have medical insurance to buy, the price is cheaper;

The other is suitable for those who do not have medical insurance, the price is much more expensive.

Taking Ping An eShanghai insurance as an example, it is 366 yuan for a 30-year-old with medical insurance, and 792 yuan without, which is double the difference.

If the medical insurance is cut off in the middle, it will affect the reimbursement rate of the commercial medical insurance.

Many millions of medical insurance policies are 100% reimbursable after using social security and the rest after deductibles; if you don't use social security, you will only be partially reimbursed.

So the impact of a Medicare break is still pretty big.

Even if you have to change jobs, you should try to keep paying your health insurance.

Second, maternity insurance broken

Maternity insurance benefits mainly include: prenatal checkups, delivery reimbursement and maternity allowance, take three cities as an example:

The cost of having a baby includes prenatal and postnatal checkups, normal delivery or cesarean section costs, etc.;

If you have a maternity insurance policy, you will not only be reimbursed for most of the costs, but also get the equivalent of a few months of salary subsidies.

Eligibility for maternity insurance varies from place to place.

Some regions require that you have paid for at least one year in a row, so if you break your payment, you won't be able to get the benefits.

Three, CPF breaks

The CPF loan is basically the cheapest loan we can borrow in our lifetime;

its interest rate is generally about 70% off the commercial housing loan.

But to apply for a CPF loan for a home purchase, you generally need to have a record of continuous CPF contributions, which varies from city to city.

In Shenzhen, for example, you must have paid continuously for the first six months of your CPF loan application, even if you break your payment for a month, you won't be able to apply for a CPF loan.

If you take out a loan of 1 million dollars and pay it back in 30 years, a CPF loan can save 480,000 dollars in interest compared to a commercial loan, saving you a BMW 5 series.

Four, old age, work injury, unemployment insurance broken

In most areas, the cumulative contribution period of these three types of insurance to meet the requirements, you can enjoy the corresponding protection and benefits.

Pension insurance, as long as the cumulative contribution of 15 years, you can enjoy the corresponding benefits after retirement; but of course, only the more you pay, you will receive more later.

And there's no impact on workers' compensation insurance or unemployment insurance, just follow up with a new job.

In real life, to receive unemployment insurance benefits, generally have to meet the following three conditions:

Unemployment has been paid unemployment insurance premiums for one year before unemployment

Not because of their own will to interrupt employment

have been registered as unemployed, and job search requirements

So the dismissal of the company, the company's bankruptcy and other cases are eligible to receive the qualification; but if the one resigns on one's own initiative, it's a no-brainer.

Workers' compensation insurance, on the other hand, has few requirements for how long you've been paying contributions and is a good benefit.

If you suffer temporary or permanent incapacity, or even death, as a result of an accident or occupational disease during your working life (including traveling to and from work), you can be compensated for it through the Workers' Compensation Insurance.

In summary, social security breaks have quite a lot of impact on our work and life;

So before we change jobs, we should know in advance and make plans for a smooth transition.