How to make up for the five insurances and one housing fund, and can the five insurances and one hou

How to make up for the five insurances and one housing fund?

According to the regulations, within a certain period of time after the payment is broken, the unit can pay five social insurances and one housing fund for employees.

Social security: If the payment is missed due to the reasons of the unit, the employer can make up the five insurances for the employee, but only in the last 3 months.

Provident Fund: If the payment is not made or the supplementary payment is not more than 3 months due to job changes, it will be regarded as continuous payment. After the employer makes the supplementary payment, the employee can apply for the housing provident fund loan normally.

How to apply for social security supplementary payment for individuals.

If the company refuses to make up the payment for itself, it is more difficult for the individual to handle the supplementary payment.

For local urban residents in Beijing, they can participate in social security through the talent service center or employment introduction service center, but they can only participate in the three insurances of pension, medical care and unemployment. If you are a person with household registration in other places, you will not be able to pay social security in Beijing.

At present, there are many social security payment agencies on the market, but employees can only sign labor contracts with employers.

Only when an employer has an employment relationship can it pay social insurance through the employer.

If an individual wants to pay social security, the most reliable way is to find a friend who opens a company to help pay social security.

If the pension is interrupted in the middle, you can choose to make up the payment or not to make up the payment, depending on your personal wishes. There is no impact on the future, as the number of years of contribution is cumulative. However, if you choose to make up the payment, you will have to pay not only the personal part, but also the company part.

Supplementary submission method:1. You can find the original unit, pay the full amount yourself, and pay from the unit account.

2.Find a new unit, pay the full amount yourself, and pay from the unit account.

If both units are unwilling, they will pay for you. You can only transfer your pension from the original unit to the local talent center, and then pay the full amount yourself, and then transfer to the new unit. (if you don't limit yourself to the trouble).

It is recommended not to make up for it. It doesn't make sense. Having money to invest in anything is a higher rate of return than pension. It is the least cost-effective for individuals to pay in full. Even if the insurance is broken for 1-2 years in the middle, it is a big deal to pay 1-2 more years in the end.

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If the five insurances and one housing fund are interrupted, they can be paid or renewed, and there is a time requirement for the payment, and the social security related expenses for 3-5 years can generally be paid. After arriving at the new unit to work, the unit will renew the payment for the employee, or you can renew the payment of five insurances and one housing fund individually.

Did your employer break off the relationship with you?

I used to work in the unit, but I have been out for several years, can I make up for the previous years, I have paid for 5 years before.

I enrolled in 2009.

You can make up for the social security at this stage.

Generally, you can pay 3-5 years of social security-related expenses. After arriving at the new unit to work, the unit will renew the payment for the employee, or you can renew the payment of five insurances and one housing fund individually.

But you can only make up for 3 to 5 years, you can't make up for longer, you know!

If it has been 6 or 7 years since you came out, then you can't make up for it, you can only make up for it for up to five years.

Question: Well, can I continue to pay it on time after making up the payment?

If you didn't pay it in the previous years, and you make up what you didn't pay in the previous years, then you can continue to pay it normally now.

The question is 2015, and I handed it in for another year.

If you make up now, you can only make up for 2015 to 2021.

Before 2015, you may not be able to make up for it, can you understand?

You're welcome, of course, this social security issue may have different regulations in different places, well, generally that's what I explained to you, but you can also ask your local social security bureau about the relevant supplementary payment, how long you can make up the payment.

In this case, you will be more at ease.

But the social security cut-off may have a different impact:

1. Pension insurance: Pension insurance is not affected, of course, you must pay for 15 years before you retire, that is, 180 months before you can receive a pension, of course, it is also more than you pay, so we still try not to break.

If the social security is cut off, if you do not go through the procedures for stopping the insurance to make up the payment, you need to pay the corresponding late fee, so it is recommended to pay on time.

Summary. Hello dear, glad to answer for you. After the interruption of five insurances and one housing fund for three months, it is okay if your current unit is willing to help you make up for it.

If you don't make up the payment, only the medical insurance has an impact, and the other has little to do with it, and now many times you need social security are required to be continuous, and the supplementary payment is not counted, so it depends on whether you want to pay it yourself.

Do I need to make up for the interruption of five insurances and one housing fund?

Hello dear, glad to answer for you. After the interruption of five insurances and one housing fund for three months, it is okay if your current unit is willing to help you make up for it. If you don't make up the payment, only the medical insurance has an impact, and the other has little to do with it, and now many times you need social security are required to be continuous, and the supplementary payment is not counted, so it depends on whether you want to pay it yourself.

It is the obligation of every enterprise to pay five insurances and one housing fund, and during the period of service to the enterprise, the enterprise has the obligation and must pay five insurances and one housing fund for employees; If it is verified that the file is broken due to the reasons of the original unit, the original unit must make up the payment, and the new enterprise has no need to make up the payment obligation; If the worker does not have a job in the future, resulting in a disconnection, if he wants to continue the discontinued part, the worker can make up the payment by himself (the housing provident fund cannot be paid by himself) and bear the expenses by himself; The new business is not obligated to make up contributions for employees.

Social security supplementary payment refers to the interruption of social security payment for some reason, and there is no payment in the middle of the month, and now due to recruitment or other reasons, it is necessary to make up for the part that has not been paid before, so as to obtain a complete social security time period to ensure the normal recognition of recruitment and settlement. Under normal circumstances, the general unit (sub-regional) can only make up for 2 months, and if it takes longer, it has to be operated through some ** institutions.

Notes:1The social security policy is that you can make up to two years, which means that it is calculated from the month of the supplementary payment (it is calculated according to the time period of the supplementary payment, not the cumulative month). For example:

Any period of time from April 10 to April 09 is calculated as a year. For example, any period of time from April 10 to March 09 to April 08 is calculated as two years, and only September 08 is paid separately, which is also calculated as two years).

2.Supplementary payment amount = average social wage of the previous year at the time of supplementary payment * (base salary of the year to be paid % of the average social wage of the year to be paid) * contribution ratio * coefficient of supplementary payment.

3.According to Article 58 of the Social Insurance Law, an employer shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If they fail to register for social insurance, the social insurance agency shall verify and approve the social insurance premiums they should pay.

4.Article 63 stipulates that if an employer fails to pay social insurance premiums in full and on time, the social insurance premium collection agency shall order it to pay or make up the premiums within a time limit.

5.In general, the period of supplementary insurance payment depends on the situation of the enterprise according to the social insurance premium collection agency.

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5 insurance and one housing fund has been broken, you can also not pay, anyway, social security can be accumulated, can also be paid, but only can make up for 3 to 5 years of social security.

Five social insurance and one housing fund refers to social insurance, its payment period can be cumulatively calculated, interrupted without making up for it, directly and then pay again, as long as the minimum payment period is reached, 15 years can be retired, as much as possible to pay more and pay more for a long time.

Is it necessary to make up social security payments after the interruption of five insurances and one housing fund?

Social security supplementary payment refers to the interruption of social security payment for some reason, and there is no payment in the middle of the month, and now due to recruitment or other reasons, it is necessary to make up for the part that has not been paid before, so as to obtain a complete social security time period to ensure the normal recognition of recruitment and settlement. Under normal circumstances, the general unit can only make 2 months of supplementary payment, and if it takes longer, it has to be operated through some ** institutions.

If you are insured in the name of an individual, if you miss the payment, you can not make up the payment, and only the missed payment caused by the unit can make the supplementary payment, and make up the payment of the five insurances. If the unit does not make a declaration (does not open an account), it can only make up the pension. After paying for a period of time, if you want to make up the payment, you can find a ** company to make up the payment.

If the paying unit (excluding individuals and freelancers) fails to pay the employee pension insurance premiums, they should bring the following materials to the social security agencies to handle the supplementary payment of the basic pension insurance premiums:

1. Employee files and pension insurance handbook;

2. Application Form for Supplementary Payment of Basic Pension Insurance Premiums;

3. Labor contract, salary payment schedule, employee's monthly individual income tax certificate, etc.;

4. Other relevant materials.

Legal analysis: According to the time, the employer shall bear most of the payment of five insurances and one housing fund, and only a small part of the employees and workers shall be paid. After the resignation of the unit, there will be a situation where the five insurances and one housing fund will be broken, and the five insurances and one housing fund can be paid, but not all the five insurances and one housing fund can be paid in all periods, and only the five insurances and one housing fund in the last three months can be paid.

If you have left the company for 6 months and the five insurances and one housing fund have been cut off for 6 months, then you can only choose the last three months when making up the five insurances and one housing fund.

Legal basis: Social Insurance Law of the People's Republic of China Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with the law have the right to inquire about payment records and personal rights and interests records, and request social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them.

Legal analysis: If the five insurances and one housing fund are broken, they can be paid or renewed, and there is a time requirement for the payment, and the social security related expenses for 3-5 years can generally be paid. After arriving at the new unit to work, the unit will renew the payment for the employee, or you can renew the payment of five insurances and one payment for the employee.

Legal basis: Article 12 of the Social Insurance Law of the People's Republic of China Article 12 The employer shall pay the pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, which shall be credited to the basic pension insurance pool.

Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts.

Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.