The new year has started again, and many friends are eager to take advantage of this time to change jobs.
However, changing jobs has to consider a very real problem - social security.
Whether you quit your job and take a break for a few months, or you haven't found your favorite job for a while, you will face a situation where your social security contributions will be cut off.
We have more or less understood the impact of social security disconnection, but it is not necessarily comprehensive, today I will give you a detailed explanation, as well as 3 "small tips" to avoid social security disconnection, let's take a look.
Social security covers five insurances "endowment, medical care, maternity, work-related injury, and unemployment", once the payment is stopped, the first thing that will affect is the normal protection of these aspects.
Among them,The discontinuation of social security contributions has the greatest impact on medical insurance and pension insurance, which is related to the reimbursement of medical expenses and the receipt of pensions.
Medical expenses cannot be reimbursed
The next month after the social security payment is stopped, you will no longer enjoy the medical insurance reimbursement treatment, and if you are sick and hospitalized during this period, you will have to pay out of your own pocket.
If the payment is less than 3 months, it can be used in the next month after the payment; If the payment is cut off within 3-6 months, it can be used for 6 months from the date of the supplementary payment; If the payment period is more than 12 months, you need to make a supplementary payment for 1 year before you can use it. (The requirements vary from place to place, and the specific policy of the local social security bureau shall prevail).
It affects the handling and receipt of pensions
The impact of a short interruption is not great, but if the pension payment period is less than 15 years due to the interruption of payment, if you want to receive a pension, you can only delay the payment period and go through the pension procedures after meeting the conditions.
In addition, the pension "overpay, pay more, pay more", that is, the longer the interruption, the less the payment, the less the accumulated storage of the pension account, and the lower the pension.
In addition to the normal treatment of social security itself, the loss of social security payment may also affect all aspects of our lives, such as:Buy a house, buy a car, settle down, and go to school for your childrenWait.
In some areas, there are requirements for social security payment in the lottery to buy a car, residence permit processing, talent introduction, etc., and once the social security payment is interrupted, these will be affected.
There are different situations that lead to the discontinuation of social security contributions, but here are the 3 most common situations to see how to seamlessly connect with social security.
Change jobs locally – try to leave at the end of the month and start at the beginning of the month
If it's just a local job, as long as it is"Resign at the end of the month and start at the beginning of the month".Basically, it can seamlessly connect five insurances and one housing fund.
Most companies pay social security on the 15th of each month, if you leave the old company after the 15th, and join the new company before the 15th of the next month, you can stop paying the original company, and the new company will immediately renew the payment.
Change city jobs - you can apply for social security transfer
At present, social security between different cities is still not interoperable, and if you want to change jobs in different cities, you have to pay social security again in the new city.
What should I do with the social security I paid before? In this case, only a "social security transfer" can be solved.
Social security transfer is to transfer the money paid by the previous social security and the cumulative number of years of payment to the new city(Medical, endowment, and unemployment insurance can be transferred, and maternity and work-related injury insurance are paid by the company, and individuals cannot transfer if they do not pay).
Passive resignation - you can pay social security by yourself
If you are a passive resignation, you don't want to find a job in a short period of time or can't find your favorite job, and you want to continue to pay social security, you can choose to pay social security for yourself, there are 3 ways:
Pay social security to employees in the status of flexible employment: You can enjoy the same medical insurance and pension treatment as when you go to work, but you have to pay a lot of money, and the minimum monthly is more than 1,000.
Pay social security for residentsCompared with the social security of employees, it is much cheaper, and the treatment of medical insurance and pension is relatively poor, and it can only be paid at the place of household registration, and there is a fixed payment time every year.
Employee medical insurance and resident pension are mixedThe advantage of this is to pay employee medical insurance and resident pension in a flexible employment status, and can enjoy the reimbursement treatment of employee medical insurance, and at the same time can spend less money on pension insurance. (Some cities do not support separate payment for the time being, please consult the local social security bureau for details).
There are many real cases of poverty due to illness, return to poverty due to illness, and nowhere to rely on the elderly, and medical care and pension are the sword of Damoris hanging over everyone's head.
Although it is indeed a large expense to pay for medical insurance by yourself in the long run, social security,In particular, medical care and pension insurance are our most basic protection, and it is recommended not to stop paying as much as possible
Like social security medical insurance, if you are really sick, part of the expenses within the scope of medical insurance can still be reimbursed.
However, it can also be seen that medical insurance still has some limitations:Restrictions on the minimum payment line and the cap line; low reimbursement ratio; Non-social security expenses are not reimbursed at all; Only "guarantee" not "package".
In order to pass on the risk of serious illness to the greatest extent, it is best to have both medical insurance as the basic guarantee, as well as commercial medical insurance with comprehensive protection, wider reimbursement scope and higher proportion.
For example, millions of medical insurance, millions of insurance amounts, one or two hundred yuan, no limit to the type of disease, no limit to the scope of social security, no limit to the means, the highest reimbursement ratio is 100%.With medical insurance, individuals basically don't have to pay anything
There are also inpatient medical insurance and outpatient medical insurance, and the daily expenses for minor illnesses and injuries can basically be reimbursed to relieve our medical pressure.
The importance of social security pension insurance is estimated that everyone also knows, about the pension concerns in recent years have been discussed a lot, the aging trend is getting worse, so that everyone is worried about the pension.
On the one hand, I am worried that when we are all old, the pension will be gone(Affected by the pay-as-you-go system, that is, the current workers pay money to support the retired elderly).；On the other hand, I am worried that the money I get when I retire will not cover my living needs after paying pension insurance for many years.
How to put it,Pension insurance can be paid as much as possible, and you can get money for life after 15 years of retirementLess is better than nothing。If you feel less, you can do more pension planning, now many commercial pension insurance can be according to their own and family conditions, in advance to meet the needs of the capital layout when retirement.
Commercial Pension Insurance:
When you are young, you can insure the funds when you reach the agreed age (the earliest is 55 years old).Received on a monthly or annual basis, the time of collection, the amount of payment, etc., are all written in black and white in the contract, regardless of what the statutory retirement age is.
Incremental Whole Life Insurance:
It is a type of insurance suitable for supplementing pensions, which protects total disability in death, and "increase" is also indicatedThe sum insured will increase, and the longer you live, the more money (cash value) you can get。Increasing Whole Life also supports policy reductions and policy loans, which can be used at any time when you need money.
Facing the "difficulties" of the two mountains of medical care and elderly careSocial security, medical care and pension insurance+ Commercial medical and commercial endowment insurance, for us ordinary people, is the best "customs clearance cheats".