What is the impact of the five insurances to break off diplomatic relations, and can the five insura

After the social security is cut off, the impact is relatively large, medical insurance, maternity insurance cannot be enjoyed, and work-related injury insurance cannot enjoy relevant benefits during the period of unemployment. Pension insurance must be paid for 15 years before retirement in order to receive a monthly pension after retirement. The severance of social security will not only affect personal welfare, but also affect the qualifications for buying a house, buying a car, settling down, etc., so it is better not to break off the payment.

The interruption of social security contributions has an impact on your entitlement. The interruption of pension insurance payment will affect the payment period, and the payment period before and after the re-payment can be combined; If you interrupt the payment of medical insurance, you will not be able to enjoy the relevant treatment, and the payment period will be calculated according to the new insurance after the repayment, and the payment period cannot be combined before and after.

According to the "Interim Measures for the Management of Personal Accounts of Basic Pension Insurance for Employees", after 15 years of pension insurance, retirement can only enjoy life. Generally, these 15 years are cumulative, and if it is broken in the middle, it can be renewed, but even if it is renewed, it will affect your future retirement benefits. If the pension insurance is paid intermittently for a few years, the calculation and payment ratio of the basic pension insurance will be reduced by a few percentage points.

After the social security is discontinued, you will not be able to enjoy the insurance. After the insurance is suspended, you need to make a supplementary payment. After the social security is interrupted, if you still want to buy a car or a house, you can only recalculate the number of years, and you can only be eligible after 5 years.

Social Security Supplementary Payment Method:

If you are insured in the name of an individual, if you miss the payment, you can not make up the payment, only the omission caused by the unit can make the supplementary payment, and the five insurances can be paid;

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 the ** company to make up the payment.

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

1.Employee pension insurance

Employee pension insurance needs to be paid to a certain number of years, before you can receive the corresponding pension after retirement, if the insured person cuts off the employee pension insurance, they can not receive the pension after retirement, and the pension life will not be guaranteed.

And the longer the pension insurance is paid, the more money can be received after retirement, and the shorter the payment time, the less pension will be received.

2.Workers' compensation insurance

The interruption of work-related injury insurance may cause the insured to be injured at work and unable to obtain the result of compensation, which is still more important for those who have been working in the workplace.

3.Unemployment insurance

Unemployment insurance can guarantee that the insured person can receive unemployment insurance benefits under the following circumstances.

1) Unemployment insurance premiums have been paid for one year before becoming unemployed.

2) Interruption of employment due to unwillingness.

3) Have been registered as unemployed and have job search requirements.

However, if you are dismissed from the company or the company goes bankrupt, you will not be able to receive unemployment insurance benefits.

Unemployment insurance money can guarantee that we can receive a sum of unemployment insurance money after we become unemployed (unemployment due to the above conditions), and if we stop paying, we will not be able to receive unemployment insurance money after losing our jobs.

4.Maternity insurance

Maternity insurance coverage responsibilities mainly include: maternity reimbursement, prenatal check-up and maternity allowance.

If there is maternity insurance, most of the expenses such as prenatal examination and cesarean section can be reimbursed, and you can also get a maternity allowance of several thousand yuan.

If you stop paying maternity insurance, you will naturally not be able to enjoy its protection.

5.Employee medical insurance

Employee medical insurance is the most important insurance among the five social insurance insurances, because employee medical insurance can reimburse part of the cost of hospitalization due to illness, which can reduce the financial burden of patients.

If the payment of employee medical insurance is stopped, there will be three major impacts.

1) Unable to reimburse medical expenses.

As mentioned above, the employee medical insurance can reimburse part of the medical expenses, and if the payment is broken, it cannot be used to reimburse the medical expenses.

2) Buying a car Buying a house is restricted.

In some areas, consumers who want to buy a car need to pay social security continuously for a certain number of years, and if they stop paying, they cannot buy a house by lottery.

3) Reimbursement of commercial medical insurance is restricted.

The reimbursement ratio of most commercial medical insurance on the market will be limited by social security (medical insurance), such as 100% reimbursement through social security, and the reimbursement ratio will drop a lot without social security reimbursement.

1. Pension changes: According to the regulations, pension insurance must be paid enough for 15 years before you can apply for pension, and the pension insurance can be renewed after the social security is broken, and the payment period will not be emptied, but there is no amount of money deposited in the personal pension account during the payment period, according to the principle of paying more and getting more, the pension will be less every month.

2. Changes in medical insurance: According to the system implemented by medical insurance, after the payment of medical insurance is terminated, the medical insurance account of the worker will be frozen from the next month, and the medical insurance card cannot be used for medical treatment, medicine and reimbursement.

3. Changes in maternity insurance: The requirements for maternity insurance in various regions of China are different, and workers need to pay enough for 6-12 consecutive months to enjoy this treatment, that is, even if employees pay a lot of social security and give birth after a few months of payment, they will not be able to enjoy maternity benefits;

4. Changes in work-related injury insurance: work-related injury insurance adopts the system of pay-as-you-go and enjoyment, which is also the least affected by the resignation of workers after the resignation and payment of the five insurances. As long as the employee has paid the work-related injury insurance, he or she can enjoy the work-related injury treatment in the event of a work-related injury.

5. Changes in unemployment insurance: unemployed employees need to meet the requirements of having paid unemployment insurance for one year before becoming unemployed, involuntary unemployment, and willingness to work to receive unemployment benefits.

The five insurances can be severed, but they will have a certain impact, such as affecting the calculation of the number of years of social security payment, affecting the purchase of houses and cars, and affecting the enjoyment of treatment. Five insurances and one housing fund can be severed. After the insured person leaves the original unit, the medical insurance, unemployment insurance, work-related injury insurance, maternity insurance and housing provident fund are all suspended by the original unit, and the pension insurance will automatically transfer to the individual payment status.

Individuals can pay for pension and medical insurance. The biggest impact of social security is medical insurance, medical insurance is within three months, supplementary payment can immediately continue to enjoy medical insurance, more than three months will be in a sealed state, need to pay for 6 months before you can enjoy medical insurance, different cities, policies will be different. Pension insurance can be interrupted, and it can be renewed in the future without having to make up for it.

Pension is related to the payment time and payment base and the number of contributions, which is proportional, such as the pension insurance interrupted for 2 years, and the insurance when you retire is the amount of the first 2 years of retirement. For medical insurance, if the payment is interrupted for more than 60 days, you must participate in the insurance again for half a year before you can enjoy the reimbursement treatment. Unemployment insurance has little effect.

The work-related injury insurance will be invalid if it is suspended, and it can only be enjoyed again if it is paid again. Accumulation fund. If you want to take out a loan to buy a house after the provident fund is suspended, you must pay the fee for more than half a year before you can apply for a provident fund loan.

Legal basisArticle 62 of the Social Insurance Law of the People's Republic of China Where an employer fails to declare the amount of social insurance premiums to be paid in accordance with the regulations, the amount to be paid shall be determined according to 110% of the amount paid by the employer in the previous month; After the payment unit completes the declaration formalities, the social insurance premium collection agency shall settle the settlement in accordance with the regulations.

Article 63 Where 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 amount within a time limit. The resignation of the five insurances and one housing fund is not in vain The five insurances and one housing fund will not be paid in vain after the resignation, and will be sealed to the social security account. As long as the pension insurance has been paid for 15 years, you can receive a pension when you reach retirement age.

If the payment is less than 15 years, you cannot receive a pension, and the part of the money paid by the unit into the overall account is not refunded to the individual, and the money in the personal account can be returned to the insured user.

The five insurances can be severed, but they will have a certain impact, such as affecting the calculation of the auspicious crack years of social security contributions, affecting the purchase of houses and cars, and affecting the enjoyment of closed treatment. However, the five insurances can also be paid up, but there will also be a certain impact, taking Changsha as an example:

1.The unit can make up to one additional payment for the employee within one year;

2.The amount of the one-time supplementary payment cannot exceed three times of the original monthly payment amount;

3.New Year's Eve is generally not allowed to make up the payment;

4.If the retirement age is less than 15 years, the contribution can be extended to 15 years; If the payment is still less than 15 years after 5 years of extension, it can be paid in a lump sum to the full 15 years.

5.If the flexibly employed persons fail to pay the medical insurance on time and in full due to their own reasons, they will cease to enjoy the medical insurance benefits from the next month in which the arrears are owed. Flexibly employed persons who make up the medical insurance expenses and start to enjoy the medical insurance benefits from the date of payment.

If it is made up within 3 months, the proportion of personal self-responsibility will be increased by 10% in the current settlement year; If it is overdue for 3 months, the proportion of personal self-responsibility will be increased by 15% in the current settlement year.

Of course there are influences, and the effects are as follows:1. Endowment insurance.

It can be interrupted, and it can be renewed in the future without having to make up for it. Pension is related to the payment time and payment base, and is proportional, for example, the pension insurance is interrupted for 2 years, then the insurance when you retire is the amount of the 2 years before retirement.

2. Medical insurance.

If the payment is interrupted for more than 60 days, Bimin Bend must be insured again for half a year before he can enjoy the reimbursement treatment.

3. Unemployment insurance basically has no good impact.

4. The work-related injury insurance will be invalid if it is stopped according to the regulations, and it can only be enjoyed again if it is paid again.

5. Fight lead provident fund: There is only one impact after the provident fund is suspended, to take out a loan to buy a house, you must pay the fee for more than half a year, that is to say, you must pay for another half a year before you can apply for a provident fund loan.

The breakage of five insurances and one housing fund will have the following impacts:

1. For pensions, see whether the five insurances and one housing fund have been bought enough for 15 years to the retirement age, and if they can reach 15 years, there will be no impact. If it does not reach fifteen years, it will make up for it at one time, but it may affect the future pension treatment;

2. Five insurances and one housing fund are broken, and medical insurance cannot be enjoyed during the interruption. If the policy is not renewed for more than three months from the date of interruption, the continuous payment period shall be recalculated, which will affect the reimbursement amount of medical insurance and the amount of medical insurance for critical illness;

3. Since the maternity insurance ceased to pay next month, it will no longer enjoy the overall payment and subsidy of maternity medical care;

4. Other insurances are broken, and the impact is not great.

Unemployment insurance, maternity insurance, and housing provident fund can be paid immediately as long as they are paid for one year before use.

Legal basis: Social Insurance Law of the People's Republic of China

Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, and childbirth.

The impact of the five risks is as follows:

1. The disconnection of pension insurance will not have a particularly large impact, but the state stipulates that you must pay for 15 years before the statutory retirement age to enjoy the pension, and the disconnection is easy to cause the extension of the payment time and the reduction of the amount in the account.

2. Under normal circumstances, once the relationship is severed, it cannot be made up, and it can only be renewed. However, the state stipulates that employees must pay maternity insurance in full for 12 consecutive months before giving birth before they can enjoy maternity allowance.

3. If an employee encounters involuntary unemployment, if he wants to enjoy unemployment benefits, he must meet the requirements that the employer has paid unemployment insurance for at least one year before becoming unemployed, otherwise he cannot enjoy unemployment compensation.

4. The interruption of medical insurance will not be greatly affected, but the interruption of payment for more than three months requires another 6 consecutive months to enjoy the policy again.

5. The severance of work-related injury insurance will not have an impact.

Compared with social security, the impact of the CPF payment is small, because if you are not in a hurry to take out a loan to buy a house in the next year, the impact of the suspension is not too large; If you have a need to buy a house and want to use the provident fund to take out a virtual loan, then don't stop, because the premise of the provident fund loan is generally to be paid for half a year or two years in a row (local policies vary).

To put it simply, during the payment period, if you are sick and hospitalized, you will have to pay all these expenses yourself. After the payment is interrupted, it also takes a waiting period to re-enjoy the medical insurance reimbursement, and the general payment of enterprise employee social security, that is, the five insurances can only be enjoyed after three months, and it takes about 8 months for Yuanwang to pay flexible employment social security to enjoy medical reimbursement treatment. Secondly, childbirth, work-related injury, unemployment treatment can not be enjoyed, in addition to the pension is not very important, of course, this refers to the short-term severance, because the pension insurance has a hard rule is to pay for a total of 15 years, after reaching the statutory retirement age to receive a pension, and the more pension insurance pays, the longer the payment time, the more pension will be taken, so it is best not to cut off.

"Five insurances" is what we commonly call "social security", including endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance. Please rest assured, the five insurances will not clear your account amount and payment period, but the impact cannot be ignored.

It should be emphasized here that some cities pay five insurances and house purchase qualifications, lottery qualifications, and children's school qualifications are closely linked, and once interrupted, they will lose these digging disqualifications, so it is recommended that we continue to do social security or try not to break it, especially when changing jobs, we must pay attention to whether social security is continuous.

Extended Information: What are the Five Insurances?

The five insurances are endowment insurance, medical insurance, work-related injury insurance, unemployment insurance and maternity insurance in statutory social insurance.

Among the five insurances, endowment insurance, medical insurance and unemployment insurance are the premiums paid jointly by enterprises and individuals, and work-related injury insurance and maternity insurance are fully borne by enterprises and do not need to be paid by individuals. It is a kind of security system that is enforced by the first class, and has the characteristics of non-profit and universal security.