Does it matter if there is a break among the five risks? How can I return it if it breaks in the middle of the five risks?

Generally speaking, enterprises now buy five insurances for employees, but after buying them for a period of time, they may be interrupted because of leaving their jobs. Can they make up after the five risks are interrupted?

Does the five risks break in the middle 1 matter?

Have an impact.

1. Because the old-age insurance is accumulated for a fixed number of years, you can only receive the retirement pension after paying 15 years. Breaking off diplomatic relations halfway will affect the welfare benefits after retirement.

2, medical insurance, interruption of payment for more than 60 days, must be re-insured after half a year, in order to enjoy reimbursement.

3. Unemployment insurance basically has no effect. If it has been paid in full before and meets the requirements, you can still receive unemployment benefits if you stop halfway.

4. Work-related injury insurance and maternity insurance are invalid if they are stopped according to regulations, and can be enjoyed again if they are paid again.

5. Buying a house and buying a car are all affected. Some areas require five insurances to have a certain payment period. If the diplomatic relations are broken, it may need to be reset and recalculated.

Can you make up after the five risks are interrupted?

Of course.

Endowment insurance and medical insurance can be supplemented, while other maternity insurance, industrial injury insurance and unemployment insurance need not be supplemented.

Among them, old-age insurance can be supplemented as long as it meets the fixed number of years of 15, and medical insurance can also be supplemented. Medical insurance has a three-month buffer period from the date of payment suspension, which shall not exceed this period. After going through the normal payment procedures, you can continue to enjoy medical insurance benefits from the next month. If the diplomatic relations are broken for more than three months, the continuous payment period will be recalculated, and after six months of continuous payment, you can continue to enjoy medical insurance benefits.

3 how to pay after the five risks are broken?

Because of resignation, the salary of the new unit was cut off for some time. After finding a new unit, the five insurances will be transferred to the new unit, and the new unit will continue to pay for it.

Individual contributions are paid in full by individuals, that is, in the past, they were paid together with the part paid by enterprises, but this burden is relatively heavy.

Find a company to pay social security. At present, there are many companies paying social security on the Internet. You can contact the intermediary company to pay, and you can pay according to the minimum base. After finding a job, it can be paid by the company.

4 how to make the five insurances pay continuously?

Generally speaking, if you leave your job after 15 of the current month, the former social security company will pay for it, and if you join a new company before 15 of the following month, the new social security company will also pay for it. Therefore, before resigning, we must find out the time when the old company and the new company pay social security, so as to avoid a file break.

If it is naked resignation, local urban registered residents can apply to the social security bureau where they are registered to pay endowment insurance and medical insurance at their own expense. Non-local urban household registration residents can find a unit to link with and pay social security through the linked unit.

Some people will pay social security out of their own pockets through intermediary agencies that pay social security during work breaks. However, professionals say that there are certain legal risks in paying social security through fictitious labor relations.

Can you still take it out after paying five insurances?

Only those who meet the following conditions can surrender their insurance.

1, went through the formalities of going abroad to settle down, and the account has been cancelled by the domestic public security organs;

2, did not reach the statutory retirement age has died, and the account has been cancelled in the public security organs;

3, repeated insurance and termination of labor relations can be surrendered;

4. The insured has reached retirement age and has not paid the fee for 15 years.

It should be noted that even if you meet the conditions for surrender, according to the policy, you can only return the part of the old-age insurance you paid, and the part of other old-age insurance, medical insurance, maternity insurance, work-related injury insurance and unemployment insurance paid by the unit can't be taken back and will be included in the national pooling fund.