/kloc-what is the impact of breaking off social security every month?

1. What's the impact of breaking off social security for one month?

If you don't pay medical insurance for one month, your personal account will not be cleared, but your public account will be recalculated! That is, the maximum reimbursement amount is recalculated. If you continue to pay the local prescribed number of years (not invalidated midway), you can continue to enjoy medical insurance after retirement without paying. So it should be possible not to make up for it in less than one month, but if you don't make up for it for three consecutive months, you will have to reapply. To enjoy maternity insurance, you must pay 12 months continuously before giving birth, and you can't pay maternity insurance premium if it is broken. If it is not continuous, you can't enjoy maternity insurance reimbursement. Although social insurance is cumulative, if payment is interrupted, it will have a serious impact on individuals. Once the old-age insurance is interrupted, it will seriously affect the future pension collection. The longer the interruption, the greater the pension loss.

If social security is cut off, pension insurance and unemployment insurance will have no effect. If you break off diplomatic relations for one month, you need to pay maternity insurance for six months in a row before you can enjoy it. Medical insurance is cut off for one month, and medical insurance benefits stop. If the supply is cut off for more than three months, the insurance period will be zero, which will affect the maximum reimbursement limit for serious illness in the future.

If the social security is cut off for three months, the insured period is zero, which will affect the highest reimbursement for serious illness after hospitalization.

1. Medical insurance. Once the insured breaks off diplomatic relations, starting from next month 1, the insured will not be able to enjoy medical insurance benefits. Because there is a waiting period for individuals to pay medical insurance, the medical expenses during the waiting period cannot be reimbursed.

2. If you stop paying for 3 months, the waiting period will be recalculated, and the money in your personal account will not be cleared, so you can continue to use it in the clinic. However, the insurance period is zero, which affects the maximum reimbursement limit for serious illness in the future.

Second, the interruption of social security varies according to the type:

Endowment insurance: it doesn't matter if the endowment insurance is broken. Of course, before you retire, you must pay 15 years, that is, 180 months, in order to receive a pension. Of course, if you pay more, you will get more, so we try not to break off the relationship.

Medical insurance: medical insurance is different. Unless you pay 20/25 years in the year of retirement, you can enjoy medical insurance benefits for life. When you haven't retired, breaking off diplomatic relations means that you no longer enjoy medical insurance benefits. If the breakup is within 60 days, you can continue to enjoy the treatment in the next month; If it is more than 60 days and less than 180 days, you can enjoy medical insurance benefits three months after the payment is received. If it exceeds 180 days, it will take 6 months.

Maternity insurance: maternity insurance must be paid continuously for more than 1 year, and it cannot be interrupted when enjoying the treatment. If it is interrupted, it will take more than one year to enjoy the benefits brought by maternity insurance.

Unemployment insurance: you are unemployed, registered as unemployed, and have job requirements before you have unemployment insurance. You don't want to be unemployed. The most important thing is that you can get it after paying for one year.

Work-related injury insurance: Work-related injury insurance will not enjoy the corresponding treatment when you have no job, that is, when you are not insured. But if it is because the enterprise or unit has not paid you wages, you can ask the enterprise or unit to compensate for the corresponding work-related injury compensation.

How to repay after the social security break 1 month to avoid the impact?

Breaking off social security 1 month may have a certain impact on personal social security rights and interests, but this deficiency can be made up by making up. Payment of social security needs to be handled in accordance with relevant regulations, and the specific steps are as follows:

First of all, keep abreast of the reasons why social security broke off. If the break-off is caused by personal forgetting to pay or other reasons, we must find the reason and solve it as soon as possible.

Secondly, go to the social security bureau where social security is located to consult relevant policies and processes. Explain the situation to the staff and ask how to make it up and what materials need to be prepared.

Then, prepare relevant materials according to the regulations. It is usually necessary to prepare personal identity cards, social security cards, salary running water and other supporting materials, as well as pay back the money.

Then, go through the payment formalities as required. Go to the social security bureau, submit relevant materials and pay back. Be sure to pay on time to avoid more late fees or other consequences.

Finally, pay attention to the changes in social security accounts in time. Ensure the overdue payment is received correctly, and check whether the social security record has been updated.

In order to avoid the influence, it is suggested to set a reminder or automatic deduction in advance in the future payment to ensure the timely payment of social security fees and avoid the recurrence of broken diplomatic relations.

Please note that the above are only general suggestions, and the specific operations still need to be implemented according to local social security policies and regulations. In case of doubt or special circumstances, it is recommended to consult a professional or local social security bureau for more accurate guidance.

Legal basis:

People's Republic of China (PRC) Social Insurance Law;

Chapter II Basic Endowment Insurance

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.