Job Recruitment Website - Social security inquiry - Pay off social security for a few years before buying. Do I have to pay for those who broke off diplomatic relations a few years ago?
Pay off social security for a few years before buying. Do I have to pay for those who broke off diplomatic relations a few years ago?
The social security payment period is calculated cumulatively, and can be paid again after several years of social security payment, and the payment period can be calculated cumulatively. Among them, medical insurance can only be paid off again until retirement. Endowment insurance can be paid off, as long as it is paid 15 years before retirement. Unemployment insurance must be paid continuously for more than 1 year, and you can get a pension if you leave your job voluntarily. Maternity insurance must be paid over 1 year to be reimbursed.
The accumulated payment period of endowment insurance and medical insurance will be re-accumulated. The company can help you renew your social security. According to your age and personal financial situation, if you are still young and under 30, you don't have to pay it. If you are older, the minimum payment period 15 years cannot be reached. I suggest you hand it in again. Participate in the company's social security, submit personal ID information to the company, and undertake the personal part every month. Those that stopped paying before can be ignored. Pension is a cumulative accounting period, which will only affect your medical hospitalization reimbursement.
Social security is five insurances, including endowment insurance, medical insurance, maternity insurance, work injury insurance and unemployment insurance. If social security is paid off, the impact on different types of insurance is different.
One: I'll buy it after paying social security for a few years. Do I have to pay for those that have been broken off in previous years?
1: Old-age insurance: As one of our most important types of insurance, old-age insurance can provide basic protection for our old age after retirement. According to the current pension insurance regulations, the pension insurance needs to be paid cumulatively 15 years, and the pension can be paid monthly after reaching the statutory retirement age. As can be seen from the above, the endowment insurance is calculated cumulatively, so the interruption will not lead to the invalidation of the previous years, and the payment period before the continuation of payment will be combined with the calculation. But try not to pay off for a long time, because if the payment time is too long, it is very likely that you will not be able to retire at the retirement age because the payment period is not enough, and it will also affect the pension benefits, because the level of pension is related to the payment period. Other things being equal, the longer the payment period, the higher the pension you get.
2. Medical insurance: Medical insurance is also calculated cumulatively, so the previous years will not be invalidated because of payment failure. After the medical insurance is paid off, the subsequent payment can be combined with the years before payment. When the accumulated payment period of medical insurance reaches the local minimum payment period, you can enjoy lifelong medical insurance benefits after retirement.
It should be noted that although medical insurance payment is calculated cumulatively, if it happens, you will not be able to enjoy medical insurance reimbursement from the next month. All medical expenses incurred during the period of suspension of payment need to be borne by yourself, so it is not recommended that you interrupt medical insurance.
3. Work injury insurance, unemployment insurance and maternity insurance, these three types of insurance must usually be paid by the unit, and a few areas can pay unemployment insurance by themselves. As long as you come back to work after the mortgage is cut off, the new work unit will continue to pay the social security five insurances. The conditions for enjoying the corresponding insurance benefits shall be subject to local policies.
Legal basis:
Article 16 of the Social Insurance Law stipulates that individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the statutory retirement age and have paid the accumulated contributions for fifteen years. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.
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