Social security is divided into five types: pension, medical care, maternity, unemployment and work injury, which provides basic and comprehensive protection for "migrant workers". What will be the impact of social security withholding? How to pay back the social security payment?
What is the impact of social security withholding?
Social security is an important guarantee in our life, and once it is paid off, it may have a direct impact on pension, unemployment and other aspects.
Endowment insuranceEndowment insurance needs to be paid for at least 15 years, and you can get a monthly pension when you reach retirement age. If the insured person interrupts the payment for a long time, the corresponding accumulated payment time will be relatively short, and the accumulated amount of personal accounts will be relatively small. Finally,My basic pension will also be relatively small.; Some insured persons may be less than the minimum payment period when they reach the legal retirement age.The time to receive the basic pension should also be postponed accordingly.. After the payment of the old-age insurance is interrupted, the social insurance agency will keep the basic old-age insurance relationship of the insured, keep all the records of the insured payment, and continue to calculate the interest on the amount stored in the personal account.
Medical insurance,You can’t enjoy medical insurance benefits such as medical reimbursement during the interruption of medical insurance.. The flexible employees who interrupt payment for less than 3 months shall be regarded as continuous payment after paying the unpaid medical insurance fee in full, and the medical expenses incurred during the unpaid period shall be supplemented. Flexible employees who have interrupted payment for more than 3 months are regarded as insured for the first time, and the waiting period (6 months) is recalculated, and they begin to enjoy medical insurance benefits after 6 months from the month of re-payment.
Unemployment insurance and industrial injury insurance,You can enjoy unemployment benefits only if you have paid for 12 consecutive months before you lose your job.. The accumulated payment period is not clear, and the number of years of unemployment benefits that have been approved is no longer calculated. There is no requirement for continuous payment for reimbursement of work-related injury insurance. As long as work-related injury insurance is paid, you can get compensation from work-related injury insurance when a work-related injury occurs. If the employer does not purchase it, the employer shall bear the responsibility.
Maternity insurance,Before delivery (including the month of birth), the insured female workers can apply for maternity allowance if they have paid maternity insurance for 9 months continuously.. Insured employees pay less than 9 months before delivery, and the maternity allowance is paid by the employer. After delivery (including the month of delivery), if the payment has been made continuously for 12 months, the maternity allowance of the employee shall be supplemented by the maternity insurance fund.
In addition, in Beijing, foreign household registration requires a certain number of years of social security to buy a car and buy a house in Beijing (the social security here only includes five insurances). If the payment is suspended within the period, it will be affected.
How to make up for the social security payment?
What should I do if social security is paid off? It depends on personal reasons or unit reasons.
If the social security payment is cut off due to personal reasons such as leaving the job or changing jobs, the individual cannot make up the payment.
However, if the employee’s social security payment is cut off due to reasons such as the employer’s omission or wrong payment, the employer may issue relevant materials to apply to the human resources and social security department for supplementary payment.
How to make social security seamless?Pay attention to labor relations and try not to interrupt them for a long time.. After the termination of the labor relationship with the original unit, it is necessary to join the new unit as soon as possible, so that the starting time of the labor relationship will not be broken.
After joining the job, we should pay attention to the fact that the information of the original unit for social security reduction and the new unit for staff increase is consistent with the time of labor relations, so as to ensure that social insurance fees are paid on time.
If you have left your job, haven’t found a suitable job, or want flexible employment, you canGo to the domicile in time to participate in social security as a flexible employee.This will also keep your social security uninterrupted.
Take Beijing as an example, the payment process can be handled online > > >
1. Log in to official website, Beijing Human Resources and Social Security Bureau, click on "Social Security Online Service" in the "Hot Service" module on the home page, enter the "Beijing Social Insurance Online Service Platform" (https://fuwu.rsj.beijing.gov.cn/zhrs/yltc/) and click on the "Payment Management"-"Unit Declares Individual Payment Application" module.
2. Click on "Sporadic Declaration" to enter the application page for reporting individual overdue by sporadic units.
3. Enter the sporadic declaration page, enter the query information item, and click "Query" to query the supplementary information.
4. Select the nature of the account, check the payment month, enter the payment salary, upload the necessary attachments, and click "Submit".
5. Click Submit to display the payment preview information.
At this time, in the payment preview page, if there is any situation that cannot be repaid, click "Unable to repay" to view the situation that cannot be repaid.
Click "Export" on the page where the overdue payment cannot be made to export the failure information.
6. Confirm that the information is correct, and click "Confirm Submit".
Integrated from Beijing People’s Society WeChat WeChat official account, Beijing Medical Insurance WeChat WeChat official account, Labor Lunch, etc.
Editor Ma Haoge
Proofread Junyan Zhang