With the development of society, many people's career choices are becoming more and more diverse. Many people will have social security payments cut off due to job changes or personal reasons. Some people say that if the social security payment is broken, it will be cleared, and some people say that the payment will affect retirement. So will the social security payment be cleared in the end?And what is the impact?What should I do?
1. What is the impact of social security payment being cut off for 1 month?
First of all, social security is divided into five types of insurance: endowment, medical care, maternity, unemployment, and work-related injury, which provides basic and comprehensive protection for "workers".
However, once the social security payment is interrupted, it will affect the normal protection of various insurance types
1. Endowment insurance:
If it's a short break, it's not a big problem. However, there will still be two effects:
1) Pensions will be reduced accordingly.
Pension "pay more, pay more, pay longer". To put it simply, if the interruption is longer, the less the contributions, the corresponding reduction in the number of years of insurance, the smaller the cumulative savings in the personal account, and the lower the pension.
2) Affect the processing time of pensions.
In addition, if you do not have enough years of payment due to the interruption of payment, and you want to receive a pension after retirement, you can only extend the payment period, and you need to continue to extend the payment, and you can go through the pension procedures after meeting the conditions for receiving it.
2. Medical insurance:
Attention!The next month after the medical insurance is terminated, you cannot enjoy the reimbursement treatment of medical insurance, and you can only pay for the doctor. If the policy is renewed within 3 months, it can be used normally in the next month after renewal, and it is considered to be continuously enrolled.
There is a waiting period of 3 to 6 months for renewing the insurance after 3 months (the requirements vary from place to place), and the waiting period cannot be reimbursed for medical insurance, and it is regarded as re-enrollment, and the continuous insurance period is recalculated.
Some cities stipulate that the longer the medical insurance is paid, the higher the reimbursement amount, so whether in the short term or in the long term, do not easily stop paying medical insurance
3. Maternity insurance:
The impact is larger. Some cities require that maternity insurance be paid continuously for 9 months before childbirth in order to receive maternity allowance, and if social security is interrupted, you can only enjoy maternity insurance after 12 consecutive months after childbirth.
4. Work-related injury insurance:
There is no impact. If an employee suffers a work-related injury and is found to be a work-related injury, he or she can enjoy work-related injury benefits, and if the employer cuts off the work-related injury insurance, it will not affect the work-related injury benefits of the employee, but shall be borne by the employer.
5. Unemployment insurance:
The impact is smaller. If you are unemployed after becoming unemployed, and you have certain job search requirements and have registered as unemployed, you can enjoy unemployment insurance as long as you have paid insurance for one year in a row.
The impact of the social security linked policy
Secondly, social security is also linked to settlement, house purchase lottery, children's schooling, public rental housing application, etc., once the social security payment is broken, the trouble is not small.
It can be seen that once you get sick, give birth to a baby, lose your job, get injured at work, or need to apply for a residence permit, public rental housing, lottery, etc., social security can play an important role, but you must not cut off the relationship.
2. How should social security be handled after leaving work?
Specifically, it can be divided into 3 situations, let's talk about it in detail. For outsiders who work hard in big cities, if they want to pay social security after leaving their jobs, they can choose a professional social security platform such as Xiaodou.com.
The advantage of paying in this way is that it includes five insurances as the employer's social security payment, the treatment is complete, and the provident fund can be paid at the same time, the whole process can be handled online, the insurance is convenient, and the social security can be seamlessly connected after joining the new company.
Self-payment of employee social security process:
Step 1: Find the social security payment entrance.
Pay attention to "Xiaodou Network"** convenient for 24-hour self-service five insurances and one housing fund;
Click on the menu bar "Business Handling" - "Social Security Renewal and Supplementary Payment".
Step 2: Enter your personal information and insurance information.
Handling city: The fee may be different in different cities.
Handling type: (new participation, renewal, supplementary payment, choose according to your own needs, you can choose to pay).
Nature of account: (different types, different payment fees).
Service type: (you can choose social security, provident fund).
After confirming that the above operations are correct, submit the insurance order.
Step 3: Confirm the enrollment details.
Click on the order to check the order amount and payment details.
Step 4: Select a payment method.
A variety of payment methods are available, such as VX, ZFB, and bank cards.
Step 5: Review your personal social security account.
After the social security payment is completed, you can check the progress in the order column.
Tips: Don't panic if you can't find the information after the social security is paid, the social security will generally arrive in the next month, and you can query your social security information in the next month after paying in the current month. In the process of social security payment, you can consult professional social security customer service if you encounter any problems, and it will continue from 09:00 to 21:00
Here is also a reminder to all friends that if you want to enjoy the social security treatment of employees, you must not cut off the payment of social security at will, and you must do a good job of social security connection in advance when changing jobs. If you are facing the transition of resignation and are temporarily unemployed, you can find Xiaodou to pay social security, and the whole process is operated by mobile phone, eliminating the cumbersome process of offline processing. Even if you find a new job in the future, you don't need to worry, you can apply for attrition directly in the background of Xiaodou.com, which is simple, convenient and reassuring.