Pension insurance payments in different places can be combined to accumulate 15 years

1, cross-provincial social security accounts can be combined, does not affect the cumulative number of years of contributions.

2, when you leave your original place of employment and participation, you can take your ID card and social security card to the social security bureau of your place of participation to apply for a certificate of payment for moving out of social security.

3, to the new workplace for the social security contribution account, take the relocation of the contribution voucher to the current place of social security bureau to apply for the consolidation of social security account in a different place can be.

If the company is still in the same city, your social security account has not changed and is cumulative. If the company moves to another city, you will have a new social security account, which is recalculated. Failure to surrender your claim will have no effect, none whatsoever. In addition, the minimum payment period for pension insurance is 180 months or 15 years, so you can pay more and receive more when the time comes.

At the same time, pension insurance can be calculated cumulatively, i.e., intermittent payment is allowed. Medical insurance needs to be paid for at least 25/30 years, and you can apply for pension benefits and medical reimbursement when you reach retirement age (as long as you renew your contributions normally it is also allowed).

If you want to improve the quality of your retirement, it is recommended that you buy a certain amount of commercial insurance as a supplement to your social security, based on your actual financial situation is better.

Nowadays, it is usually said that "five insurance and one gold", specific five insurance that is: pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance; one gold that is: housing provident fund. Pay five insurance is the national social security policy, any employer should be insured for employees. As long as you and your unit signed the very labor contract, it should be insured for you.

But these three insurance is not entirely paid by your unit, but by yourself and the unit **** with the payment. According to the employee's salary, the unit and individual's share is generally: pension insurance unit to bear 20%, the individual to bear 8%; medical insurance unit to bear 6%, the individual 2%; unemployment insurance unit to bear 2%, the individual 1%.

Pension insurance is mainly the future of retirement after receiving a pension, in case the later years of life miserable. Medical insurance is mainly when you are sick and hospitalized, the unit can reimburse about 50% of the cost, is also very important.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 2: The state establishes a social insurance system for basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance, maternity insurance and other social insurance, and guarantees the right of citizens to receive material assistance from the state and society in accordance with the law in the event of old age, sickness, industrial injury, unemployment and childbirth.

Article 19: If an individual is employed across the integrated area, his basic pension insurance relationship shall be transferred with him, and his years of contribution shall be cumulative. When an individual reaches the legal retirement age, the basic pension shall be calculated in segments and paid uniformly. The specific measures shall be prescribed by the State Council.