"Five insurances and one housing fund" refers to five social insurances and one housing provident fund paid by Chinese enterprises for employees, including endowment insurance, medical insurance, work-related injury insurance, maternity insurance, unemployment insurance and housing provident fund. These five insurances and one provident fund are collectively known as "five insurances and one housing fund", and are often referred to as "social security provident fund". In China, it is the obligation of every enterprise to pay five insurances and one housing fund, and it is also the right and interest that employees should enjoy.
First of all, let's understand the specific content of the "five insurances". Pension insurance is when an employee reaches the statutory retirement age and has paid contributions for 15 years. Medical insurance is designed to cover the medical needs of employees and to receive reimbursement for medical expenses in the event of illness or injury. Work-related injury insurance is to protect employees from losing their ability to work due to accidental injuries or occupational diseases in the course of work. Maternity insurance is designed to protect the maternity rights and interests of female employees, and they can receive reimbursement of medical expenses and maternity allowance during maternity leave. Unemployment insurance is designed to ensure that employees receive unemployment benefits if they lose their jobs.
So, what will happen if the "five insurances and one housing fund" is interrupted? First of all, for pension insurance, the interruption of contributions will affect the accumulation of personal accounts and the amount of pension in the future. When the payment of medical insurance is interrupted, the personal account will be cleared and there will be a waiting period of 6 months after the re-enrollment. During this period, funds in personal accounts cannot be used and medical reimbursement is not available.
After the interruption of work-related injury insurance, if an accidental injury occurs in the course of work, you will not be covered by work-related injury insurance. Interruptions in maternity coverage can also affect reimbursement amounts and may not even be eligible for maternity benefits. The interruption of unemployment insurance will affect the amount of unemployment benefits.
In addition, the interruption of "five insurances and one housing fund" will also have an impact on an individual's credit history. In China, the contribution of the social security provident fund has been incorporated into the personal credit system. If an individual has underpayment, supplementary payment, or discontinuation of the social security provident fund, this information will be recorded in the personal credit report, which will have a negative impact on the individual's credit record.
Therefore, it is very important for individuals to maintain the normal contribution of the social security provident fund. If an individual interrupts the payment of the social security provident fund for some reason, he or she should take measures to make up or renew the payment as soon as possible to avoid adverse effects on his future life and work.
At the same time, enterprises should also strengthen the supervision and management of the social security provident fund to ensure that every employee can enjoy the rights and interests they deserve. ** We should increase the publicity of the social security provident fund, so that more people understand the importance and role of the social security provident fund, and at the same time strengthen the supervision of enterprises to ensure that enterprises pay social security provident fund for employees in accordance with the regulations.
In short, "five insurances and one housing fund" is the basic rights and interests that every employee should enjoy, and it is also the basic obligation that enterprises should fulfill. Individuals should maintain the normal payment of the social security provident fund to avoid interruption or non-payment; ** and enterprises should also strengthen the supervision and management of the social security provident fund to ensure that every employee can enjoy the rights and interests they deserve. Only in this way can social fairness and justice be truly realized, so that everyone can enjoy the benefits and security brought by social security.