Can Beijing's social security be renewed if it is broken?

Be sure to know how to remedy the interruption of social security payment in Beijing.

"Foreigners have to pay social security for five years to buy a house and a car, and the middle break is not counted", "Social security is broken, and old-age insurance will be affected in the future" ... There are different opinions on the impact of social security interruption. Social security will inevitably be interrupted because some people temporarily interrupt their work, go to school halfway, start their own businesses and other reasons. So, what impact will it have on individuals? Is there any remedy? "Foreigners have to pay social security for five years to buy a house and a car, and the middle break is not counted", "Social security is broken, and old-age insurance will be affected in the future" ... There are different opinions on the impact of social security interruption. Social security will inevitably be interrupted because some people temporarily interrupt their work, go to school halfway, start their own businesses and other reasons. So, what impact will it have on individuals? Is there any remedy?

Why can't we cut off social security?

1. People in big cities know how important it is to get social security continuously. For example, in Beijing, if you are a foreign hukou, you can only buy a car and a house in Beijing if you have been on social security for five consecutive years. The social security here only includes five insurances. As long as it is interrupted for one day, it will be recalculated in five years.

2. Pension insurance must be paid for 15 years before you can enjoy life after retirement. The same is true of medical insurance. Women pay enough for 20 years, men pay enough for 25 years, and they can enjoy life after retirement. The most uneconomical thing is that it is not enough. In fact, both pension and medical care can be accumulated, and they can continue if they are broken.

It won't make much difference if other insurance breaks down. As long as unemployment insurance, maternity insurance and housing accumulation fund are paid 1 year, industrial injury insurance can be used. But social security is mandatory, that is, you have to pay social security for one day when you work in the unit.

What if social security is broken?

If you are buying a house and a car, you must pay attention to:

Social security must not be broken, even for a month. According to Beijing's regulations, it is impossible to pay it back. After five years, it will be counted from scratch. Many job-hopping friends will face this problem. No one helped you pay social security when your job was broken. Be sure to find an intermediary to make a transition in advance. There are many intermediary companies on the internet to help pay social security, and you can pay according to the minimum amount.

If you are going to enjoy lifelong pension medical care, pay attention to the following two points:

1. The years of pension and medical insurance can be accumulated. If it is interrupted, you can pay enough years. If the retirement age is not enough, Beijing hukou can apply for deferred payment, and foreign hukou can only apply for deferred payment if the payment has reached 10 years. If it is less than 10 years, it can only be transferred back to the place where the account is located for renewal.

2. The medical insurance is broken, and the medical insurance benefits will stop from next month. If it is reissued, it can be reimbursed. If the payment is cut off, the medical insurance card has a recovery period of two to three months. In these two to three months, it can only be reimbursed manually, so the medical insurance card cannot be reimbursed automatically. Of course, this is only a rule in Beijing. It is stipulated in other places that if the payment is overdue for more than two months, there will be a waiting period of half a year, during which it cannot be reimbursed.

How to pay social security for freelancers or self-employed occupations without units?

As long as you insure yourself, you can only get three insurances (pension, medical care, unemployment) through normal channels, and you can get five insurances and one gold when you find Xuanyuanyi in Beijing.

If it is a local account, you can pay it at the local employment service center and talent service center. If you want to be a freelancer in a different place, such as Beijing, you can only be a social security agent.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.