What impact will Beijing social security withholding have?

I believe many parents should be familiar with the word "social security" when preparing for primary school. Non-Beijing children need to provide social security payment records, and the time limit requirements in different regions are different. So, what role does social security play in our life? What will happen if the payment is interrupted? I sorted out the relevant content. Let's have a look. First, social security payment ... I want to know more about the impact of social security payment in Beijing. Will young students be affected? Let's have a look.

1. What important things will social security contributions "affect"?

1, social security payment, affecting the younger children.

Once social security is paid off, it will have an impact on children's early promotion to primary school. Non-Beijing school-age children need to apply for "five certificates" materials when entering primary schools. Every urban area has different requirements for the time limit of social security. Most urban areas require social security to be in a normal payment state, and the payment is invalid.

Jingjing Tip: For non-Beijing families with young children, it is recommended to know the requirements and time limit of social security payment for non-Beijing children in advance. Once the payment is suspended, it will affect the children's enrollment.

2, social security payment, affecting the qualification to settle down.

According to the requirements of the Administrative Measures of Beijing Municipality on Settlement of Points (Trial), the applicant shall meet the following conditions when applying for settlement of points:

(1), holding a residence permit in this city;

(2) Not exceeding the statutory retirement age;

(3) Having paid social insurance continuously in Beijing for 7 years or more;

(4) No criminal record.

3, social security payment, or can not buy a car in Beijing.

In Beijing, if you are a foreign registered permanent residence and want to buy a car or house, you need to pay social security for five years in a row in Beijing before you can buy a car or house in Beijing. However, judging from the purchase notice on March 22, 20 18, "paying taxes for five consecutive years" is clearly defined as "paying taxes for 60 consecutive months". Once the supply is cut off, it needs to be recalculated after five years.

Tip:

(1), non-Beijing students are required to provide proof of actual residence in Beijing, including:

First, the housing lease contract;

B. Owner's real estate license (original and photocopy);

C. The informed consent of the landlord;

D. Rent tax payment certificate (the rent tax payment certificate is subject to the policies issued by each urban area because of the different time and urban restrictions);

E, safety responsibility;

F. Water, electricity, natural gas and telephone charges (required by Haidian District).

(2) The actual residence certificate in Beijing may have different requirements in different urban areas, subject to the policy requirements of each urban area;

4, social security payment, pension amount decreased.

Beijing's old-age insurance implements the principle of "paying more and getting more", and the period of social security interruption is not included in the length of service. The longer the interruption, the less the payment, and the final pension will be reduced accordingly.

Second, social security in The Secret Behind.

1, medical insurance

(1), try to go to a designated medical institution.

Some insured people will ignore an important rule. In addition to Class A medical insurance hospitals, specialized hospitals and traditional Chinese medicine hospitals, everyone tries to go to the designated medical institutions of their choice for medical treatment. Otherwise, even if you go to the medical insurance hospital, the diagnosis and treatment project is within the scope of medical insurance, and you have to pay for it at your own expense.

(2) Observation period of medical insurance

If you don't participate in medical insurance within 60 days after the termination of the labor contract, you will face a 6-month medical insurance "observation period" if you choose to register in employment agencies and talent centers as a freelancer. During this period, the insured needs to pay fees but can't be reimbursed, and it takes 6 months to be reimbursed normally.

2. Endowment insurance

(1), which can be interrupted in the middle.

For endowment insurance, there is little difference between the same city and different places, and it can be interrupted halfway, so it doesn't matter. Endowment insurance is cumulative in the end. The more you pay, the more your pension will be.

(2) Retirement age is the key.

The relevant regulations stipulate that "if the individual's payment period has accumulated to 15 years, the basic pension will be paid monthly after retirement." In fact, you can't retire after paying 15 years, but the retirement age is the most important part. Even if you have paid the pension insurance for 30 years, you can't retire temporarily.

3. Maternity insurance

(1), the payment base is calculated according to the average salary.

According to the relevant regulations of Beijing, the payment base of maternity insurance is calculated according to the average salary of employees in the previous year;

If it is lower than 60% of the average monthly salary of employees in this Municipality in the previous year, it shall be calculated according to 60% of the average monthly salary of employees in this Municipality in the previous year;

If it is more than 3 times the average monthly salary of employees in this Municipality in the previous year, it shall be calculated according to 3 times the average monthly salary of employees in this Municipality in the previous year. That is, the minimum payment base of maternity insurance is 60% of the average monthly salary of employees in this city in the previous year.

If the maternity allowance is lower than my salary standard, the difference will be made up by the enterprise.

(2) Unemployed mothers can also reimburse medical expenses.

For unemployed stay-at-home mothers, it has not been covered by maternity insurance. Although you can't enjoy the monthly maternity allowance, as long as Beijing-based unemployed full-time mothers participate in medical insurance in employment agencies and talent centers, they can still reimburse the medical expenses for childbirth according to regulations.

4. Work injury insurance

(1), there is a time limit for work-related injury appraisal.

If you have a work-related injury, you must report it to the unit immediately, and hand over the evidence and accident appraisal issued by the police, as well as the medical records of seeing a doctor or being hospitalized after the work-related injury, so that the unit can take these materials for work-related injury appraisal. Your company must send your valid materials to the industrial injury appraisal center within one month, otherwise it will expire.

(2) 48 hours is a threshold.

There is a noteworthy provision in industrial injury insurance, that is, if you get sick at work and die within 48 hours, it will be recognized as a work-related injury; If it is more than 48 hours after the onset, it is not recognized as a work-related injury.

5. Unemployment insurance

(1), unemployment insurance standards are different.

According to the current Beijing standard, if the accumulated payment time of unemployment insurance premium is over 1 year but less than 5 years, the monthly payment standard of unemployment insurance premium is 1.2 1.2 yuan;

If the accumulated payment time is less than 10 years, the monthly payment standard of unemployment insurance is 1239 yuan;

If the accumulated payment time is over 10 years and less than 15 years, the monthly payment standard of unemployment insurance is 1266 yuan;

If the accumulated payment time is over 15 but less than 20 years, the monthly payment standard of unemployment insurance is 1293 yuan;

If the accumulated payment time is over 20 years, the monthly payment standard of unemployment insurance is 132 1 yuan.

(2), the average person can't get it

Although unemployment insurance must be paid, even if we are unemployed, most people can't get it. Only the unemployed registered in the street can apply for unemployment insurance. The conditions for receiving unemployment insurance benefits include: the employer and I have fulfilled the unemployment insurance payment obligations in accordance with the regulations for 1 year; Do not take the initiative to resign.

Third, you asked me about social security.

1. What is a medical insurance personal account?

There are three types of medical insurance: basic medical insurance for urban workers (social security), basic medical insurance for urban residents (residents' insurance) and new rural cooperative medical insurance (new rural cooperative medical insurance). Among them, only the basic old-age insurance for urban workers is included in the personal account of medical insurance; Residents' insurance and the new rural cooperative medical system are paid once a year, which is ready to use, excluding personal accounts.

Social security and medical insurance are jointly paid by units and individuals. The unit pays a part into the overall account, and the individual pays a part into the personal account, which is the money in the medical insurance card.

If you have never been to a hospital or a pharmacy and spent it, then the money will naturally stay in your personal account of the medical insurance card, and it will not be gone.

2. How to check the money in the medical insurance card?

You can go to the local social security handling window, the self-service terminal of the human society department, the front desk of the service bank or the self-service terminal of the bank to inquire. Now in the north, Guangzhou, Shenzhen and other places, WeChat and Alipay can also check the personal account balance of social security and medical insurance.

Can I withdraw the balance of my personal account?

Personal account balance, under normal circumstances, can only be used for medical treatment and medicine purchase in designated hospitals and pharmacies. However, in the following three cases, you can withdraw the personal account balance:

(1). The use of social security card is terminated: if the insured person dies, the relatives can handle the surrender formalities with the death certificate.

(2) Transfer of the insured: handle the surrender formalities with the certificate issued by the public security department.

(3) Transfer in different places: After local insurance, the balance of medical insurance account can be transferred to a new account.

4. What is the payment period of medical insurance?

(1). Cumulative medical insurance payment: Women must pay for 25 years and have sex with men for 30 years (subject to local social security regulations), and they can enjoy the same medical insurance benefits for free after retirement.

(2) Continuous payment of medical insurance: there is a buffer period of 2 to 3 months from the date of suspension of payment. After this period, the continuous payment period will be recalculated.

For example, if you pay for 5 years first, interrupt for half a year, and then pay for 20 years, then the continuous payment period is 20 years, and the cumulative payment period is 25 years.

5. Will paying social security affect children's growth?

Special reminder: Judging from the admission policy for children in Beijing in recent years, non-Beijing children need to provide the same social security payment unit as the labor contract payment unit. For example, the employer of your company should check the name of the social security payment unit so as not to affect the children's enrollment.