What are the effects of a 3-year break in social security

The impact of social security interruption:

1.Overall, there is no impact of social security interruption, mainly refers to the pension insurance and medical insurance.

A.Specifically, pension insurance can be enjoyed when you retire with a cumulative total of 15 years of contributions. Because it can be accumulated, so the impact is not great;

B. For medical insurance, it is divided into several situations:

(1) if belong to the first class of basic medical insurance interruption of contributions, starting from the first day of the next month, you can use the balance of the individual account in the medical insurance, and can not enjoy the medical insurance co-ordination fund to pay for the medical insurance treatment;

(2) if belong to the second class of basic medical insurance and the three classes Interruption of contributions, from the first day of the following month, you can not enjoy the health insurance treatment paid by the medical insurance fund.

2. The effect of the interruption of social security contributions on medical insurance is as follows:

(1) If the interruption of social security contributions is less than three months, and the total interruption of the participant's participation in the medical insurance year does not exceed three months, the continuous participation time before and after the interruption will be combined and calculated after the re-payment of the contributions;

(2) if the interruption of social security contributions is more than three months, and the total interruption of the participant's participation in the medical insurance year exceeds three months year is recalculated if the interruption of enrollment exceeds 3 months cumulatively. The balance of the first-tier personal account will not be zeroed out.

3. The impact of the interruption of medical insurance on the duration of continuous enrollment is mainly reflected in three aspects, namely:

(1) affecting the enjoyment of outpatient treatment for serious illnesses;

(2) affecting the amount of payment from the Basic Medical Insurance Coordination Fund;

(3) affecting the amount of payment from the Local Supplementary Medical Insurance Fund.

4. From the above, it can be seen that a one-month break in social security mainly affects the enjoyment of medical insurance benefits.

Generally speaking, the waiting period for medical insurance is different from place to place. Therefore, it is recommended that if you anticipate that your social security will be interrupted, it is best to consult with your local social security bureau beforehand to see if you can pay social security contributions as an individual to ensure the continuity of your social security contributions.

5. Meanwhile, the algorithm for the waiting period of urban residents' medical insurance is related to the time when the participant makes up the contributions. For example, if a participant renews his insurance premiums during the health insurance payment period, i.e. September to December, the waiting period will be January to March of the following year, and he will be entitled to benefits from April 1st onwards. If a participant renews premiums during the non-contributory period, the waiting period is three months from the month following the month of payment.

According to the relevant regulations, participants can enjoy the benefits at any time only if they continuously pay the medical insurance premiums on time and in accordance with the regulations. Once the medical insurance is interrupted, the re-payment of contributions will not take effect until after the waiting period.

Anyone who participates in the urban workers' health insurance, such as employed workers, flexibly employed people and migrant workers, will need to wait for 1 month for their health insurance card to be used normally if they are in arrears with their health insurance card and have to make up for their arrears. However, the money in the personal account of the card can still be used normally.

If an enterprise is responsible for the non-payment of fees or other reasons that prevent an employee from enjoying health insurance, the enterprise will be held responsible.

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