How long will Guangzhou social security expire?

Guangzhou social security was cleared after three months of interruption. It is often heard that "the balance of the medical insurance card is cleared after three months of interruption of social security", which is incorrect. However, it should be noted that in Guangzhou, medical insurance payment has been cut off for more than one month, and you can't enjoy relevant subsidies and reimbursement when you go to the hospital. However, if there is still a balance in the medical insurance card, you can still swipe your card to see a doctor and buy medicine.

Local policies generally stipulate that if you apply for renewal of insurance within 3 months after the payment deadline, it will be regarded as continuous insurance, and you can enjoy medical insurance reimbursement in the next month. If you stop paying for more than 3 months and renew your insurance, it will be regarded as re-insurance, and there will be a waiting period of 3-6 months (different policies in different places), during which you will not be able to enjoy medical insurance reimbursement. After the waiting period is over, you can enjoy medical insurance benefits according to your re-enrollment, and recalculate the continuous payment time. The payment period of the insured employees before the deadline for payment can be included in the cumulative payment period. Employees who pay medical insurance premiums for reasons of the unit shall be paid by the unit; Employees who pay medical insurance for personal reasons can choose whether to pay back according to local policies.

1. medical insurance: those who meet the requirements for insurance shall go through the formalities of insurance payment within 3 months, and enjoy the medical insurance benefits for employees from the month following the formalities of insurance payment. Failing to go through the formalities of insurance payment within the specified time or continuously interrupting payment for 3 months, it shall be regarded as interruption of insurance. Second, the old-age insurance: If the old-age insurance is paid off halfway, it can be renewed, and there is no need to recalculate the accumulated payment period, but it will affect your retirement benefits. Therefore, the two-month suspension will not affect the payment of social security in Guangzhou.

Third, the impact on medical insurance payment.

1, after medical insurance payment is interrupted, you can no longer enjoy medical insurance benefits. Once the insured person stops paying, he will no longer enjoy medical insurance benefits from 1 of the following month. The medical insurance fund implements the "pay-as-you-go" system, that is to say, as long as you start paying medical insurance with your current money, you can enjoy medical insurance benefits. However, some people usually do not participate in insurance, and only participate in insurance when they are sick or old. In order to ensure the normal operation of the medical insurance fund and prevent these people from taking advantage of loopholes, after the medical insurance is suspended, hospitalization, outpatient serious illness and outpatient co-ordination will not be reimbursed.

2 medical insurance is interrupted for more than 3 months, and the continuous payment period is zero, and the insured person is interrupted for no more than 3 months in the medical insurance year, and the continuous participation time before and after the interruption is re-paid and then combined; When you re-enter the insurance after the insurance is interrupted, you need to recalculate the continuous payment time from the month of payment, and the continuous payment has been completed for 6 months. Medical expenses such as hospitalization, outpatient serious illness and outpatient co-ordination that occurred in the seventh month can be reimbursed according to regulations.

3. When the accumulated payment period reaches the statutory retirement age and goes through the retirement formalities, the employee's medical insurance payment period is 20 years for women and 25 years for men, and they will enjoy medical insurance reimbursement for life after retirement. The payment period is enough and the age is not enough. Stop paying medical insurance and do not enjoy reimbursement. Reimbursement can only be made after retirement. It needs to be clear that recalculating the continuous payment period does not mean that the previous payment period is zero. The previous payment period is calculated as cumulative payment period. As long as you pay in full according to the local medical insurance regulations, you can enjoy medical insurance benefits for free after retirement. In addition, the medical insurance personal account will not be cleared for 3 months, and the money inside will not be less, so it can continue to be used in outpatient clinics. Continuous payment for 6 months before retirement can be reimbursed; After retirement, the accumulated payment period is enough for reimbursement.

Legal basis:

Full text of People's Republic of China (PRC) social insurance law

Eighty-fourth employers do not apply for social insurance registration, the social insurance administrative department shall order them to make corrections within a time limit; If no correction is made within the time limit, the employer shall be fined between one and three times the amount of social insurance premiums payable, and the directly responsible person in charge and other directly responsible personnel shall be fined between 500 yuan and 3,000 yuan.

Article 85 Where an employer refuses to issue a certificate of termination or dissolution of labor relations, it shall be handled in accordance with the provisions of the Labor Contract Law of People's Republic of China (PRC).

Article 86 If an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay within a time limit or make up for it, and from the date of default, an overdue fine of 5/10000 shall be added daily; Failing to pay within the time limit, the relevant administrative departments shall impose a fine of more than one time and less than three times the amount owed.

labour law

Article 72 The sources of social insurance funds shall be determined according to the types of insurance, and social pooling shall be gradually implemented. Employers and workers must participate in social insurance and pay social insurance premiums according to law.

Article 100th If an employer fails to pay social insurance premiums without reason, the labor administrative department shall order it to pay within a time limit; Late payment, you can add a late fee.