How to remove the five risks of resignation

The five insurances (pension, medical care, unemployment, work injury and maternity) paid after resignation cannot be directly taken out.

The purpose of these insurances is to protect the rights and interests of employees under certain circumstances (such as retirement, illness, unemployment, etc.). ), so it can only be withdrawn or used under certain conditions. For example, old-age insurance can receive a monthly pension after retirement, medical insurance can reimburse medical expenses, and unemployment insurance can receive unemployment benefits when unemployed.

First, the basic meaning of the five risks

Five insurances are an important part of China's social security system, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. These insurances are jointly paid by enterprises and employees, aiming at providing basic living security for employees.

Second, the extraction conditions of the five risks

1. Old-age insurance: Usually, you need to reach the legal retirement age (60 years old for men and 55 or 50 years old for women) to receive a monthly pension. Before this, you can choose to continue to pay pension insurance and increase future pension benefits.

2. Medical insurance: Medical insurance accounts are divided into individual accounts and overall accounts. The funds in the personal account are mainly used to pay for personal medical expenses, and the overall account is used to pay for serious medical expenses. After leaving the company, the funds in the personal account can continue to be used, but they cannot be directly withdrawn.

3. Unemployment insurance: you can receive unemployment benefits if you meet certain conditions (such as unemployment due to non-personal reasons, unemployment insurance paid for one year, etc.). ). The specific situation and amount vary from region to region, and you can consult the local social security bureau.

4. Work-related injury insurance: Work-related injury insurance is mainly used to pay medical expenses and rehabilitation expenses for work-related injuries or occupational diseases. After leaving the company, the industrial injury insurance relationship will automatically terminate and cannot be surrendered.

5. Maternity insurance: Maternity insurance is mainly used to pay maternity medical expenses for female employees and maternity allowance during maternity leave. After leaving the company, the maternity insurance relationship is automatically terminated and cannot be surrendered.

Three. Matters needing attention in extracting five risks

1. After leaving the company, you should know the payment of the five insurances from the original unit in time and go through the relevant procedures.

2. If you need to withdraw funds from five insurances, you should understand relevant policies and regulations to avoid illegal operations.

3, in the extraction of five insurance funds, should provide true and effective proof materials, to ensure the safety of funds.

To sum up:

After resigning, the five insurances paid cannot be taken out directly. The purpose of these insurances is to protect the rights and interests of employees under certain circumstances, so they can usually only be withdrawn or used under certain conditions. After leaving the company, it is necessary to know the payment of the five insurances in the original unit in time and go through the relevant procedures. If you need to withdraw five insurance funds, you should understand the relevant policies and regulations to avoid illegal operations.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 14 stipulates:

Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

People's Republic of China (PRC) social insurance law

Article 23 provides that:

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

People's Republic of China (PRC) social insurance law

Article 45 provides that:

Unemployed persons who meet the following conditions receive unemployment insurance benefits from the unemployment insurance fund: (1) Before unemployment, the employer and I have paid unemployment insurance premiums for one year; (two) the employment is not interrupted because of my will; (three) registered unemployed and have job requirements.