Did you pay for nothing before the social security was cut off?

The payment of social security will not cause all previous payments to be made in vain. After the payment is cut off, the money in the social security personal account will still exist and will not be cleared; However, it still has a certain impact on the welfare we enjoy, especially the pension insurance and medical insurance.

1. What is the impact of medical insurance interruption on future retirement?

If social security is interrupted, it will affect pension insurance and medical insurance.

1, the impact of medical insurance

According to the regulations, women pay fees continuously for 20 years and men for 25 years. Before retirement, you can use the medical insurance card to buy medicine for hospitalization and reimburse it in proportion.

After retirement, you can still enjoy the protection for life, and pay attention to the continuous payment period.

Those who leave the company will be suspended for more than 3 months, and the continuous payment period will be cleared, and will be recalculated after the renewal.

In the second month after being cut off halfway, you can't brush your medical insurance card, and you can't enjoy benefits such as buying medicine and paying for medical treatment.

2. The impact of old-age insurance

The payment of pensions follows the principle of "more work and more pay". The higher the payment base, the longer the service life, and the more pensions you can receive when you retire.

Payment period 15 years is a necessary condition, but not a sufficient condition. Continuous payment 15 years, still have to pay.

Because the five risks are brothers, we should pay together and stop together. Once 15 stops the old-age insurance, the medical insurance will also stop.

Second, how to pay social security?

Social security payment means that social security is not paid normally for several months for some reason, and then the social security for these months is paid back. Generally speaking, when people want to buy a house, settle down, retire and so on. They found that the accumulated payment time of social security did not meet the requirements of enjoying the corresponding treatment, and they needed to pay back the unpaid social security in the previous month to ensure that they could enjoy the corresponding social security rights and interests. If the social security is broken, you can apply to the social security bureau where the account is located to pay the social security fee; However, it should be noted that paying social security requires not only paying social security fees, but also paying certain interest and late fees. Individuals can only pay endowment insurance and medical insurance. Steps of social security payment: (1) Bring relevant certificates and materials to the Social Labor and Social Security Bureau where the household registration is located for social security payment; (2) Fill in the application for social security payment at the Social Security Bureau and submit it; (3) After the application is passed, you can pay social security fees (pension insurance and medical insurance). Materials required for social security payment: (1) Different regions have different policies and require different materials; (2) Different payment times require different materials. Generally speaking, the earlier the payment is made, the more materials are needed.

Third, how long can social security be broken?

The interruption time of social security can be suspended indefinitely.

Pension: the pension is calculated according to the amount of personal account and the payment period, and the time is only accumulated, not counting the payment suspension time! After the accumulated payment reaches 15 years, you can go through retirement procedures when you reach retirement age. The current suspension of payment mainly affects the pension benefits after retirement.

Medical care: Medical insurance has different policies in different places. In quite a few areas, the accumulated payment period of medical insurance cannot be stopped for too long, otherwise the previous payment period will be erased, which will affect the payment of personal medical treatment. Note: According to some local regulations, medical insurance is invalid if it is suspended for more than 3 months.

Other social security: refers to work-related injury, maternity and unemployment insurance. For individuals, in addition to unemployment, there is generally no need for personal contributions, and unemployment is limited to payment at work, so the impact and loss for individuals will not be too great!

Unemployment insurance, industrial injury insurance and maternity insurance: these three types of insurance can be extended to new units, so it has little relationship to stop paying.

Housing provident fund: housing provident fund can only be paid by the unit, not by the individual, so once you resign, you will definitely stop paying. There will be no consequences if you stop paying the housing provident fund. The money is still in the provident fund account, and it can be taken out if it meets the relevant conditions.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 2 of People's Republic of China (PRC) Social Insurance Law.

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 8 of People's Republic of China (PRC) Social Insurance Law

Social insurance agencies provide social insurance services, responsible for social insurance registration, personal rights and interests records, social insurance benefits payment and other work.