What to do if the pension insurance is cut off

What to do if you break your pension insurance is as follows:

1. Continue to contribute. There are two ways to continue to pay contributions, one is to pay on behalf of the other is to switch to flexible employment contributions. Once a participant resigns, the original unit no longer pays for his or her pension insurance. In the case of a participant who has temporarily resigned, he/she can continue to make contributions by paying on behalf of his/her employer. The Pension Insurance Handbook, Pension Insurance Individual Account Registration Card, and Pension Insurance Individual Account Closure Slip can be given to a third-party organization and entrusted to make social pension insurance contributions on behalf of the participant, with the same contribution standards as the original unit. If the participant does not intend to work again in a short period of time, he/she can use the name of a flexibly employed person to handle the continuation of contributions. Flexibly employed persons only pay two kinds of pension insurance and medical insurance, according to the contribution standard of flexibly employed persons, the contribution standard of different regions is different, subject to local;

2. If the participant needs to go to a different place to work, and needs to renew the insurance in the new unit, then he needs to apply for the transfer of old-age insurance procedures. The participant submits an application form for the transfer of the pension insurance relationship to the social security organization in the place of transfer, and provides the basic pension insurance participation and payment voucher issued by the social security organization in the place of transfer, and other information. The social security organization in the place of transfer examines the information and issues a "Contact Letter for the Transfer and Continuation of Basic Pension Insurance Relationships" to the place of origin of the application if the application meets the conditions.

What is the impact of pension insurance disruption

1, pension insurance is not calculated during the interruption of seniority, so the seniority salary will be reduced in the future. The seniority pay is an important part of the salary, especially after a long working life, this part of the salary will be more and more. Therefore, if you have actually worked for 10 years, but only accumulated 7 years of social security payments, the seniority wage will be calculated according to 7 years;

2. The more you pay for your pension, the more you will be able to receive after retirement. And in the interruption period of the personal account part is no funds into the future calculation of the pension will have a certain loss;

3, the pension is in accordance with the average salary of the year of retirement as a parameter, but will be after retirement (according to the statutory retirement age) will be interrupted for a lifetime of time accrued, cumulative interruptions of 12 months will be pushed forward one year to calculate the pension. In other words, if you retire at age 60, even if you have paid for 15 years, if you have accumulated 12 months of interruption, you will receive a pension according to the average social wage of the previous year; if you have accumulated 10 years of interruption, you will also be pushed forward by 10 years. The impact of pension insurance is still there, so it is best not to end, of course, if the necessity to break the payment, it is best to make up the payment earlier to avoid more impact.

Pension insurance can be taken out

1, to reach retirement age, did not meet the conditions of 15 years of contributions (personal account storage amount all paid)

;2, the participant died for cause;

3, the participant went abroad to settle down;

4, after the retirement of the death of the personal account still has a balance of the case for these kinds of things, it is possible to The application for the surrender of the insurance, but for the success or not, it depends on the relevant policies of each place.

Legal basis: Article 4 of the Social Insurance Law of the People's Republic of China

The employers and individuals within the territory of the People's Republic of China pay social insurance premiums in accordance with the law, and they have the right to inquire about the records of payment of premiums, personal rights and interests, and to request the social insurance agencies to provide social insurance consulting and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise the payment of contributions for them by their own units.

Article 14

Individual accounts may not be withdrawn in advance, and the interest rate of bookkeeping may not be lower than the interest rate of bank time deposits, and they are exempted from interest tax. If an individual dies, the balance of the individual account may be inherited.