How to deal with medical insurance and social security for employees after leaving the service
With the development of China's economy, the diversification of enterprise employment forms and the increasingly frequent flow of enterprise employees. However, how to solve the problem of medical insurance and social security after retirement has also been existing.
1. Familiar with relevant laws and regulations.
When handling endowment insurance and social insurance matters, we must first have an understanding of the relevant laws and regulations such as the Social Insurance Law of the People's Republic of China and the Medical Insurance Law of the People's Republic of China. The above-mentioned laws and regulations stipulate the medical insurance and social security system for retirees, and also lay a theoretical basis for future work.
2. Ensure the integrity of the procedures for the handover of social security relations.
After the employee leaves the company, the company will handle the social security system for him. When an employee leaves the company, he or she must go through the relevant procedures completely, otherwise it may affect the social security in the future. After the completion of the procedures for determining the transfer of ownership of the social insurance relationship, the enterprise shall keep the relevant documents for reference and verification when necessary.
3. Correctly choose the medical insurance system.
Medical insurance is the most important insurance for employees when they get sick or injured. After the retirement of the enterprise, it is necessary to adopt the corresponding insurance system reasonably according to its actual situation in order to ensure the continuation of the social security system. Here are a few alternatives:
Participation in urban and rural health insurance: People who do not have a work unit can participate in urban and rural health insurance. The medical insurance system based on this is low-cost, but it covers a wide range of areas and has a relatively low loss ratio.
Apply for the original employee medical insurance: If you are not re-employed after retirement, you can apply for the original employee medical insurance. This not only ensures the health level of the insured personnel, but also ensures that the insured personnel have the same health insurance treatment as the insured personnel.
Enroll in commercial health insurance: Employees who are able to do so can enroll in commercial health insurance to make up for their shortcomings. The health insurance system based on this can make the insurance coverage more extensive, but it is also more expensive.
Fourth, attach importance to the issue of social security payments.
Social security is a prerequisite for social security benefits. After leaving the enterprise, the employees of the enterprise should pay attention to the social insurance payment of the enterprise to ensure that the enterprise can pay the social insurance in time and in full. Failure to pay social insurance in a timely manner during the process of leaving the company will affect future social insurance benefits. To this end, the author believes that appropriate payment methods should be adopted in combination with their own conditions, such as bank deduction, online payment, etc.
5. Regularly check the personal account information of social security and medical insurance.
Employees should check their information frequently in order to have a complete picture of their personal account status for social security and health insurance. Personal account inquiries enable employees to know their social security and medical insurance contributions in real time, as well as important information such as personal account balances. If you notice any irregularities, please contact the relevant authorities immediately and file a complaint to protect your legitimate rights.
6. Care about the benefits of social security and medical insurance after retirement.
For those who are approaching or have already retired, attention should be paid to the issue of pension insurance. Those who meet the statutory requirements for retirement shall complete the relevant social insurance, medical insurance, and other work on time. In the process of enjoying welfare, they must act in strict accordance with the relevant state rules and regulations and ensure that their words and deeds are lawful.
In short, the relationship between health insurance and social security for retirees involves many issues. In order to protect their legitimate rights, it is necessary for employees to have sufficient understanding of relevant laws and regulations to ensure the handling of social insurance relations, and at the same time pay attention to their own social insurance participation methods, and also pay attention to their personal accounts to check, and also pay attention to social security and medical insurance benefits after retirement.