With the improvement of the social security system, social security has become an indispensable part of every worker's life.
However, you know what? Cutting off social security contributions, even just once, can have a big impact on your life.
Especially in 2024, the new social security policy will be officially implemented, and the consequences of non-payment will be more serious. Today, let's take a closer look at the importance of social security and the problems that may arise from the interruption of contributions.
The social security system usually includes five types of insurance, namely endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.
Each of these types of insurance has different security functions, and together constitute a complete social security system.
The purpose of pension insurance is to ensure that workers can enjoy a basic pension after reaching the statutory retirement age to maintain their basic living standards.
Medical insurance is responsible for providing reimbursement of medical expenses for workers to reduce the financial burden caused by illness.
Unemployment insurance is designed to provide unemployment benefits to the unemployed for a certain period of time to help them tide over difficult times.
Work-related injury insurance provides medical treatment and financial compensation for injured workers in response to work-related accidents.
Maternity insurance provides maternity allowance and medical services for female workers during childbirth.
The contribution of social insurance is generally borne by the employee and the employer, and the proportion and base of the contribution vary according to different types of insurance and regions. After paying social security, workers are entitled to enjoy corresponding social security benefits.
The criteria and procedures for the granting of these benefits are usually set out by relevant laws, regulations and policies to ensure fairness and transparency.
The social security system for:It is of great significance to maintain social fairness and promote social harmony and stability. It provides a basic livelihood guarantee for workers and helps to reduce the economic pressure caused by various risks.
Through the imposition of the principle of mutual aid, the redistribution of social wealth has been achieved, which has helped to narrow the gap between the rich and the poor.
The social security system also helps to improve the production enthusiasm and social responsibility of workers, and promotes the long-term stable development of society.
In terms of medical security, social insurance mainly covers medical insurance and endowment insurance, while commercial insurance covers more types, such as accident insurance, critical illness insurance, life insurance, etc.
Medical insurance is inclusive and can reimburse some or all of the medical expenses depending on the level of payment. Whereas, commercial insurance usually requires a consumerPurchased at your own expense, **expensive, but it can provide consumers with more comprehensive medical protection.
Pension insurance and social security can also provide a certain degree of protection, while commercial insurance places more emphasis on pension savings and investment appreciation.
In short, social security and commercial insurance have their own characteristics and scope of application.
Social insurance is the basic guarantee, and commercial insurance can provide a more personalized solution. Consumers should choose the type of insurance that suits their needs and budget.
The number of years required to pay for social security varies depending on the type of insurance.
Taking pension insurance as an example, most regions require insured persons to pay contributions for at least 15 years before they can enjoy the basic pension after reaching the statutory retirement age.
The payment period of medical insurance is more stringent, and the insured person is usually required to pay for a certain number of consecutive years in order to enjoy medical protection after retirement.
The requirements for the number of years of contribution for unemployment insurance, work-related injury insurance and maternity insurance vary, but they are generally shorter, usually around 1 year.
The number of years of payment and the stable operation of the social security system.
From the perspective of society as a whole, a reasonable requirement for the number of years of payment is conducive to the stable operation of the social security system. By setting a certain number of years of payment, you can ensure the stable income of social security**, so as to ensure the sustainable development of the social security system.
At the same time, the requirement of payment period will also help guide citizens to actively participate in insurance, improve social security coverage, and then improve the security level of the whole society.
For many non-Beijing families working in Beijing, continuous social security contributions are key to qualifying for home ownership.
According to the policy,Non-Beijing families need to pay social insurance or individual income tax in Beijing for more than 5 consecutive years (inclusive) before they can buy a house in Beijing.
However, once the social security payment is interrupted, even if it is only once, it will affect the eligibility to buy a home. Only under certain circumstances, and the cumulative period of social security supplementary payment does not exceed 3 months, will it not affect the eligibility to buy a house. This is undoubtedly a huge blow to those families who are planning to buy a home in Beijing.
The impact of social security payment on medical insurance benefits is the most direct.
During the interruption of social security, individuals will not be able to enjoy medical benefits such as medical reimbursement, which undoubtedly increases the financial burden of our medical treatment. Especially for those patients with chronic diseases who need long-term**, the loss of medical insurance benefits will bring them great financial pressure.
In addition,Flexible employees who have interrupted contributions for more than 3 months will be considered as the first time enrolled, and the waiting period (6 months) will be recalculated. This means that they will need to wait 6 months after re-paying to start receiving health insurance benefits.
Maternity insurance is an important system to protect the rights and interests of female employees during childbirth. However, once the social security payment is discontinued, the cost of childbirth, including prenatal and postnatal check-ups, vaginal delivery or caesarean section, etc., needs to be borne by yourself.
In addition, some cities require nine consecutive months of maternity insurance before childbirth to receive maternity allowance. If social security is interrupted, maternity insurance benefits can only be enjoyed after 12 consecutive months of payment after childbirth. This is undoubtedly a big blow to families who plan to have children.
The loss of social security contributions will also have an impact on an individual's pension.
The principle of pension issuance is "pay more, pay more, pay longer", that is, the more you pay and the longer you pay, the higher the pension you will receive after retirement.
If social security is interrupted, the payment time will be reduced accordingly, and the cumulative savings in personal accounts will also be reducedThis will directly lead to a decrease in the level of pension received after retirement.
This is undoubtedly a heavy blow to those elderly people who rely on pensions to live.
Unemployment insurance is an important protection for us in the event of a loss of work.
According to the regulations, unemployment insurance is paid cumulatively, and you can receive unemployment benefits for 4 months after one year, and then add 2 months for each year of accumulation, up to a maximum of 24 months.
However, if social security payments are discontinued, it will result in a reduction in the amount of unemployment benefits received. This is undoubtedly a huge blow to those citizens who have lost their jobs. They may face greater financial pressure or even get bogged down.
First, let's look at whether it is possible to make up the payment after the social security interruption. According to China's 2022 regulations on social security supplementary payment, only the following two categories of people can make a one-time supplementary payment:
Those who applied for social security before July 1, 2011. Due to historical reasons, this part of the population may have incomplete social security contributions, so they can make supplementary contributions.
By the time they reach retirement age, they have paid five years of pension insurance. Although this group of people is close to retirement, they may not be able to obtain enough pension due to the short contribution period, so they can choose to make a one-time supplementary contribution to increase the amount of pension.
In addition to the one-time supplementary payment by individuals, there are also the following two supplementary payment methods:
If the insured has reached the statutory retirement age, but there are less than 3 years left before the minimum payment period of social security (5 years is required in some areas, subject to local policies), in this case, you can choose to make up the payment on an annual basis. The advantage of annual catch-up contributions is that it reduces the financial pressure of a lump sum catch-up payment, while also ensuring that you will receive an adequate pension when you reach retirement age.
If the insured person has reached the statutory retirement age and has not paid social security for 15 years, he or she can also apply for delayed retirement. During the period of delayed retirement, the insured person can continue to work and continue to contribute to social security until the minimum contribution period is met. It should be noted that the period of delayed retirement is generally not more than 5 years, so the insured person needs to make a decision at the right time.
Job-hopping has become the norm for many professionals seeking better development. However, while pursuing career development, we often tend to ignore the key link of social security connection.
Next, let's discuss how to do a good job of social security connection when changing jobs. The connection of social security is an important link to ensure that individual social security rights and interests are not lost. Here are some suggestions:
Before changing jobs, you must first understand my country's social security policy. Social security includes five categories: endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. Social security policies may vary from region to region, so it's important to understand your target city's social security policies when changing jobs so that you can prepare for the transition in advance.
When you find a new job, you should go through the social security transfer procedures with your original employer as soon as possible. This includes transferring information such as funds in an individual's social security account, years of contributions, etc., to the new unit. When going through the transfer procedures, it is also necessary to check the personal information to ensure the accuracy of the data. In addition, we should also pay attention to the adjustment of the social security payment base to ensure that our rights and interests are not harmed.
In the process of changing jobs, it is easy to have a situation where social security contributions are disconnected. Once there is a disconnection in social security contributions, it will affect your benefits. Therefore, when changing jobs, it is important to pay attention to your social security contributions and ensure that your social security contributions continue to be filed before joining the new unit. If necessary, you can negotiate with the original unit to extend the social security payment period until the new employer is hired.
When changing jobs, it is important not only to pay attention to the current social security connection issues, but also to understand the impact of social security benefits on future life. There may be differences in social security benefits in different cities, so when choosing a job, it is important to fully consider the level of social security benefits in the target city. At the same time, you should also pay attention to your own payment period and payment base, so as to reasonably plan your future retirement life.