How should employees plan for medical insurance and social security after leaving work?
With the development of social economy and the diversification of employment patterns, it has become a common phenomenon for workers to leave their jobs. However, the issue of how to deal with after-service health insurance and social security also arises.
i.Learn about the relevant laws and regulations.
Before dealing with medical insurance and social security issues, departing employees should be aware of the relevant laws and regulations, including the Social Insurance Law of the People's Republic of China and the Medical Insurance Law of the People's Republic of China. These laws and regulations clarify the basic principles of post-employment medical insurance and social insurance for employees, and provide a legal basis for follow-up treatment.
ii.Ensure that the procedures for the transfer of social security relations are complete.
When a worker leaves his or her job, his or her former employer will go through the procedures for transferring the social insurance relationship for him/her. Workers who leave the company must ensure that the formalities are in place so as not to affect their future entitlement to social security benefits. After confirming that the transfer of social security relationship has been completed, the employee should keep the relevant supporting documents in a safe place for them to review and check if necessary.
iii.Choose the right way to enroll in a health insurance plan.
Medical insurance is an important safeguard for workers in the event of illness or injury. When terminating employment, employees must choose the type of medical insurance that suits their situation in order to maintain the continuity of medical coverage. Here are some possible options:
Participate in basic medical insurance for urban and rural residents: Employees who do not have a fixed work unit can choose to participate in basic medical insurance for urban and rural residents. This type of medical insurance has lower premiums but relatively low coverage and reimbursement rates.
Renew your current employee health insurance: If you don't find a new job after you leave your job, you can choose to renew your current employee health insurance. This option allows for continuity of health insurance, and you can enjoy the same medical benefits as active employees.
b) Commercial medical insurance: Wealthier workers may choose to take out commercial medical insurance as a supplement. This type of medical insurance can provide more comprehensive medical coverage, but the premium is relatively high.
iv.Concerns about social security contributions.
Social security contributions are a prerequisite for receiving social security benefits. After leaving the company, employees must pay attention to the issue of social security contributions and ensure that they are paid on time and in full. Failure to pay social security contributions on time during the period of separation will affect future social security benefits. Therefore, it is recommended that departing employees choose a payment method that suits them according to their specific situation, such as bank debit card payment or online payment.
v.Consult Social Security and Medicare information on a regular basis.
In order to better understand the status of individual social security and health insurance accounts, employees should review the relevant information regularly. By querying personal account information, employees can grasp their social security and medical insurance contributions, personal account balances and other important information. If there is any abnormality, you can consult or complain to the competent department in time to protect your own rights and interests.
vi.Concerns about post-retirement social security and health insurance benefits.
Employees who are about to retire or have already retired should pay attention to the social security and medical insurance benefits after retirement. After reaching the statutory retirement age, they should go through the retirement procedures in time and enjoy the corresponding social security and medical insurance benefits according to local policies. During the treatment period, you must comply with the relevant regulations and ensure that your behavior meets the requirements of laws and regulations.
In short, the administration of medical insurance and social insurance after the termination of employment relations involves many issues. In order to protect their legitimate rights and interests, it is recommended that the dismissed employees fully understand the relevant laws and regulations, ensure that the procedures for the transfer of social security relations are complete, choose the appropriate way to participate in medical insurance, pay attention to social security contributions, regularly inquire about personal account information, and pay attention to social security and medical insurance benefits after retirement.