Can social security be paid in one lump sum?

Payment can be made after social security is interrupted, but there are many restrictions, so it is not recommended to make payment. Therefore, it is best not to pay off social security, because the damage to your own rights and interests after paying off is still relatively large. Here are three kinds of default, payment methods and the harm after social security default.

(1) Three payment methods and payment methods.

(1) Resignation/Job hopping

If you quit your job, which leads to the termination of social security payment or job hopping, and there is only short-term social security demand, the easiest way in this case is to seek a professional social security payment company. For example, ants pay social security and can make a perfect transition before finding the next job.

(2) forget to pay for flexible employment.

Those who pay flexible employment social security can't pay it back because they forget to pay it. According to the regulations, the social security of flexible employees should be paid on a monthly basis, and if they stop paying, they will not be paid. However, affected by the epidemic, many flexible employees have difficulty in paying social security, which leads to the suspension of social security. Many places have deliberately relaxed their policies. For example, the flexible employment social security paid in Shenzhen in 2020 can be paid before the end of 202 1.

(3) During the working period, the unit helps employees pay social security.

This situation can be repaid, but I can't repay it myself. The company is obliged to pay social security for its employees, so this part of the money must also be paid for you. Generally, you can pay the social security for the first two years at most.

(b) Harm after cutting off social security payment

(1) medical insurance

Pay social security for one month, and medical insurance will be suspended.

If you get sick at this time, you can only buy medicine and be hospitalized at your own expense. Most cities will reimburse you for medical treatment normally in the second month after you start paying again.

Social security payment is suspended for three months, which affects the reimbursement time and annual reimbursement amount.

Different years of continuous payment lead to different medical insurance benefits. Generally speaking, the longer the continuous payment time of medical insurance, the higher the annual reimbursement ceiling.

(2) Endowment insurance

If the old-age insurance has not been paid for 15 years, you cannot receive the old-age insurance on a monthly basis. You need to pay at least 15 years, and you can get a monthly pension when you reach retirement age. If the payment is stopped halfway, it can be renewed, but it may affect the pension benefits after retirement.

(3) Maternity insurance

According to the social security policy, maternity insurance will be cleared after payment is interrupted. If you want to enjoy maternity insurance benefits again, you have to wait until 12 months after re-payment.

(4) industrial injury and unemployment insurance

Withholding has little effect on industrial injury insurance and unemployment insurance. For industrial injury insurance, social security pays immediately. The company must pay social security to its employees; If you don't have a job during unemployment, you naturally don't enjoy work-related injury insurance benefits. For unemployment insurance, there is no explicit requirement for continuous payment. As long as you have paid unemployment insurance for more than one year before you lose your job, and you are unemployed for non-subjective reasons (not counting voluntary resignation), you can enjoy unemployment insurance benefits.

(5) restrictions on the purchase of houses.

Nowadays, popular cities basically need to pay social security for a certain period of time to qualify for buying a house. For example, in the 63 months before buying a house, Shanghai needs to pay a total of 60 months to qualify for buying a house, which means that it takes 5 years of social security to buy a house in Shanghai. It is one of the conditions to settle in Shanghai and pay social security for seven years in a row.

Say five years, five years, one day less or one month less is not five years. Similarly, there is a car, although it is difficult to shake the number. Once the social security payment is broken, there is no chance to even shake the number.

Therefore, everyone's social security should still be paid on time to avoid the need to pay back!