Can I pay five insurances and one gold in different places?

Is it useful to pay five insurances and one gold in different places? Is it useful to pay five insurances and one gold in different places? If an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred with him, and the payment period will be calculated cumulatively.

When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council. Generally speaking, if the insured person wants to go back to work in the place where the household registration is located, he can also transfer the five insurances and one gold back to continue to pay fees and enjoy the relevant protection of the five insurances and one gold in the place where the household registration is located. It should be noted that because work injury insurance and maternity insurance are one-time guarantees, there is no transfer problem.

However, the payment in different places should be reimbursed by medical treatment in different places, otherwise the proportion of reimbursement will decrease, and pensions, unemployment benefits and maternity insurance benefits will also be collected in different places, because the payment base is different in different places. Is it useful to pay five insurances and one gold in different places? Generally speaking, if the insured person wants to go back to work in the place where the household registration is located, he can also transfer the five insurances and one gold back to continue to pay fees and enjoy the relevant protection of the five insurances and one gold in the place where the household registration is located. It should be noted that because work injury insurance and maternity insurance are one-time guarantees, there is no transfer problem.

Some workers are employed in different places, or the units are in different places, and the five insurances and one gold paid are managed in different places. Some friends will wonder, can it be used to pay five insurances and one gold in different places? How to use it?

Can I pay five insurances and one gold in different places? How to use it?

However, the payment in different places should be reimbursed by medical treatment in different places, otherwise the proportion of reimbursement will decrease, and pensions, unemployment benefits and maternity insurance benefits will also be collected in different places, because the payment base is different in different places.

"Five insurances" refers to five kinds of insurance, including endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance; "One gold" refers to the housing accumulation fund. Among them, old-age insurance, medical insurance and unemployment insurance are all premiums paid by enterprises and individuals, while industrial injury insurance and maternity insurance are entirely borne by enterprises, and individuals do not need to pay them.

Precautions:

1. The endowment insurance can be interrupted, and it doesn't matter if it is interrupted halfway. Finally, the cumulative number of years, but the more you pay, the more your pension will be. Go through the transfer formalities: just print the transfer form in the old unit and hand it over to the new unit to continue.

Although unemployment insurance must be paid, it has little to do with us (if you graduated from school and belong to the cadre status, the file can store talents). It doesn't matter if you are unemployed, and we can't get unemployment benefits unless we are crazy and change our cadre status to worker status, and then retire and get a pension according to the treatment of workers. Unemployment insurance can only be applied for by unemployed people registered in the street (files of workers' identity are placed in the street, and cadres' identity is placed in talents or units).

Handle the transfer formalities: you don't need to handle it, just go to the new unit to continue.

3. Medical insurance is more important. The interruption of more than three months is invalid. See a doctor in three months, and you'll have to pay for it yourself. It doesn't matter if you have a minor illness. If you are seriously ill, you will be in great pain. If you are interrupted for more than three months, you will have to go to a new unit again.

Everyone who goes to medical insurance has a passbook, which can be used for life. No matter whether the company changes or not, the company will deposit a certain percentage of money into the passbook every month, and individuals can withdraw it at any time. It doesn't work.

Legal basis:

Article 19 of the Social Insurance Law of People's Republic of China (PRC)

If an individual is employed across the overall planning area, his basic old-age insurance relationship will be transferred with him, and the payment period will be calculated cumulatively.

When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly.

Specific measures shall be formulated by the State Council.