The influence of the interruption of Beijing hukou social security

The possible impact of social security interruption for one month is as follows:

one

It will not be cleared after the file is broken, but if the payment of social security is interrupted, the medical insurance will be locked and cannot be used immediately. If it is paid later, the medical insurance will have a three-month observation period. If you choose to pay 15 years, the pension you will receive in the future will not be enough to meet the demand. Please consult the local social security bureau for details.

two

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

The years of pension and medical insurance can be accumulated.

If it is interrupted, just pay it for 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.

Medical insurance is broken, and medical insurance benefits will stop next month. Re-payment can still be reimbursed.

three

In the case of endowment insurance, the payment period can be accumulated and the account balance can be accumulated.

In the case of medical insurance, it is not cost-effective to interrupt for more than 3 months and recalculate the payment period.

Primary school enrollment in some areas, license plate lottery, etc. Require social security to be paid continuously. So, first find out what you need and whether you can interrupt.

Do you know the serious consequences of cutting off social security?

First, why can't we cut off social security?

Needless to say, 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.

Second, the old-age insurance must be paid for 15 years, and 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 the number of years is not enough, you know. What I want to explain here is that both pension and medical care can be accumulated, and they can be renewed if they are broken.

It doesn't matter much if other insurance is cut off. As long as unemployment insurance, maternity insurance and housing accumulation fund are paid 1 year, industrial injury insurance can be used. What I want to say here is that social security is compulsory, that is, you have to pay social security for one day when you work in the unit. Therefore, during the work period, there is actually no choice between which to pay and which not to pay.

Second, what should I do if social security is broken?

If you buy a house or a car, you must pay attention to it: don't break it!

Even if it is broken for a month, according to the regulations of Beijing, it is impossible to make up for it. Five years will start from scratch. Many job-hopping friends will face this problem. No one will help you pay for the break. 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. You can pay according to the minimum base.

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, medical insurance is broken, medical insurance benefits will stop next month, and re-payment can be reimbursed. If the payment is cut off, the medical insurance card has a recovery period of 2 to 3 months. In these two to three months, only manual reimbursement can be made, 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 supply is cut off for more than two months, there will be a waiting period of six months, during which reimbursement cannot be made.

Third, what about social security if you change your workplace?

Of course we must continue, and we must turn!

Now many people leave Beishangguang and give up the social security they paid before. They think it's useless. They'll hand it in later. If you have been in Beijing for 15 years and haven't transferred to social security since you were 25 to 40 years old, you can't even afford medical insurance, and then you don't even have pension and lifelong medical insurance benefits. After working hard for social security for so many years, it would be a big loss.

Fourth, how to turn the five risks?

In the original unit and the city social security center to issue insurance payment vouchers, to the hometown social security institutions. If there is already a unit in my hometown, just hand it over to the unit for handling.

Among them, your personal part of the endowment insurance can be completely transferred, and the unit payment can be transferred 12%. Medical insurance can transfer your payment period, and take out the personal part for your own use. Unemployment, work injury and maternity insurance generally do not need to be transferred, just go directly to the new unit.

5. How to transfer the provident fund?

You have to go to your hometown provident fund management center to issue three documents, namely, the new unit acceptance certificate, the certificate of opening an account in the local provident fund center and the name of the bank opening an account in the local provident fund center, and go to the original unit to handle the account transfer. If you don't check in, it will be sealed for you here and you can take it out after retirement.

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