If social security is transferred from different places, what is the biggest impact?

1. What impact does social security transfer have on us? Among the five insurances and one gold, only endowment insurance, medical insurance and housing accumulation fund can be transferred. Industrial injury insurance, unemployment insurance and maternity insurance all belong to "current payment and current enjoyment", so there is no transfer problem, so here we focus on the impact of social security transfer on pension, medical care and provident fund.

Impact on pensions:

How much pension you can get when you retire is closely related to the individual payment period, payment base, personal account balance and the average salary of employees in the pension receiving area.

Under the same conditions, the average social wage in first-tier cities is higher than that in other places, so the pension received in first-tier cities is much higher than that in other places.

So if you change jobs in the city, there is no need to transfer to social security.

If you have paid social security in a big city for more than ten years, and you meet the retirement requirements locally, you may consider not transferring social security at this time.

Impact on medical insurance:

From 20 19, the national unified medical insurance system for urban and rural residents was fully implemented. There is no need to pay in advance for medical treatment in different places. The expenses can be settled directly and you can also enjoy reimbursement.

After the medical insurance system is unified, the hospitalization expenses of medical treatment in different places can be directly settled, realizing the function of one-card settlement, and can also participate in inter-provincial reimbursement.

Patients can directly settle hospitalization expenses with reimbursement documents and medical insurance cards. For migrant workers and farmers who work at home, it is more convenient, more favorable and more reassuring to see a doctor, which greatly reduces the trouble of "running a broken leg and being difficult to reimburse".

If you participate in employee medical insurance, there are still a few cities that have not achieved nationwide co-ordination of medical treatment in different places, so if you want to see a doctor in these workplaces, you still need to pay local social security.

Impact on the Provident Fund:

Most of the balance of urban provident fund is used to support the purchase of houses in different places.

According to the "provident fund withdrawal policy", eligible employees can withdraw their own provident fund when purchasing their own property houses outside the city. Eligible employees refer to the household registration certificate or work certificate of the city where the house is purchased.

Therefore, even if the provident fund is not transferred, it will not have any impact.

2. What will change and what will not? This kind of situation to turn:

Those who do not meet the conditions for receiving insurance can go to work and live in a retired city, or they can transfer social security back to the local area.

For example, Xiao Wang worked in his hometown for 4 years, Shanghai for 2 years and Beijing for 9 years. Before retirement, because the hometown of Shanghai and Beijing has not reached 10 year, it is necessary to transfer the social security of the three places to the hometown at this time, which also meets the national cumulative 15 year condition, and you can also apply for retirement pension.

This situation is not recommended for:

If you are about to retire and have reached the acceptance conditions of first-tier cities, it is not recommended to transfer casually.

For example, Xiao Liu worked in his hometown for 3 years, Shanghai for 2 years, and Beijing 10 years. Before retirement, you can transfer the records of your hometown and Shanghai to Beijing, which can meet the condition of national cumulative payment 15 years.

After all, retirement benefits are linked to local social wages, and pensions received in Beijing are always higher than those received in their hometown.