How to renew the payment of the five insurances and one housing fund after the company stops paying

Five insurances and one housing fund are calculated cumulatively, and they can be renewed after half a year of suspension.

Five insurances and one housing fund refer to the collective name of several types of protective benefits given by employers to employees, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.

"Five insurances" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund. Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance and housing provident fund are the premiums paid by enterprises and individuals, and work-related injury insurance and maternity insurance are completely borne by enterprises and do not need to be paid by individuals. It should be noted here that the "five insurances and one housing fund" are statutory.

Transfer the file to the local talent center, handle personal personnel**, and the individual can pay endowment insurance and medical insurance.

Pension insurance contributions:

When participating in the pension insurance, individual industrial and commercial households or other flexibly employed persons will pay the basic pension insurance premium according to 20% of the average monthly salary of the on-the-job employees.

Medical Insurance Contributions:

Pay basic medical insurance premiums according to the average monthly salary of the local area in the previous year; You can also choose to pay 8% of the average monthly salary of the previous year.

Individuals can only pay the endowment insurance and medical insurance in the five insurances and one housing fund, and the other types of insurance must be paid through the unit.

1. "Five insurances and one housing fund" refers to five kinds of social insurance and one provident fund, and the "five insurances" include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance; "One gold" refers to the housing provident fund. Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance are premiums paid jointly by enterprises and individuals; Work-related slag injury insurance and maternity insurance are entirely borne by the enterprise, and individuals do not need to pay. It should be noted here that the "five insurances" are statutory, while the "one gold" is not.

2. After the suspension of five insurances and one housing fund:

1) Endowment insurance: For endowment insurance, the consequences of intermediate interruption are not serious, because the last is the cumulative number of years. However, it should be noted that if the payment is stopped for too long, and the final retirement period is less than 15 years, then things are very bad.

According to the regulations, if the payment is less than 15 years, the amount of the endowment insurance personal account will be refunded in full, but the part paid by the unit in the overall account can be wasted.

2) Medical insurance: The state stipulates that medical insurance will be invalid if it is interrupted for more than three months, and you have to pay for it yourself after three months.

3) Unemployment insurance, work-related injury insurance, and maternity insurance: These three types of insurance can be followed up by the new unit, so it has little to do with the suspension of payment.

4) Housing Provident Fund: Housing Provident Fund can only be paid by the unit, not in the name of an individual, so once you resign, unless the new job is renewed immediately, it will definitely be stopped. There will be no consequences for stopping the housing provident fund payment, the money is still in your provident fund account and can be withdrawn when the relevant conditions are met.

To sum up, in addition to medical insurance, the consequences of other insurance suspensions for a while are not very serious. If you can find a new job unit soon, then you only need to issue a transfer out certificate in the original unit, and then the new unit will handle the transfer for you after Liang Xian, and continue to pay after transferring social security. If you want to make up for the interrupted part, it is generally feasible to apply to the unit and make up the fee by yourself.

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After leaving the job, I didn't find a new job, and I had five insurances and one housing fund.

What to do. 1) Pension insurance.

The interruption of pension insurance payment will have a certain impact on the future pension treatment, of course, the pension insurance can be paid. If you are worried about the pension impact, you can buy pension insurance in your own name.

Individual pension insurance payment = 20% of the average annual average salary per capita on the ground when the errand is paid

2) Medical insurance.

The interruption of medical insurance payment means that you will not be eligible for medical insurance reimbursement in the next month. The reimbursement can only be enjoyed after the supplementary payment, and the continuous payment period will be recalculated if the payment is stopped for more than 3 months. If you are worried about the impact of medical insurance, you can go to the local social security bureau and enroll in medical insurance in the name of one person.

3) Maternity insurance.

After the maternity insurance has been paid for one year, it can be withdrawn at the time of childbirth. Maternity insurance cannot be handled by a person at the Social Security Bureau, but can only be paid by the new unit.

4) Unemployment insurance Unemployment insurance cannot be paid by yourself, but if you have paid unemployment insurance for one year before leaving your job, and you can receive a certain amount of unemployment benefits if you interrupt your work without your will.

5) Work-related injury insurance.

Workers' compensation insurance is available immediately and there is no need to worry about interruption.

6) Provident Fund The provident fund is the savings fund jointly carried out by the employer and the parties for housing, and only the working personnel have the provident fund, and the individual cannot pay it by himself.

After the five insurances and one housing fund are stopped, continue to pay social security as a freelancer, only pay the premiums, pension insurance and medical insurance, which is the most lenient of your future income.

Five social insurance and one housing fund self-payment problem: 1Five insurances and one housing fund:

Individuals who do not have a unit can only pay the endowment insurance and medical insurance in the five insurances and one housing fund, and the other three insurances (unemployment insurance, work-related injury insurance, maternity insurance) and one housing fund (housing provident fund) cannot be paid separately. It doesn't make much sense whether unemployment insurance is paid or not; Work-related injury insurance and maternity insurance can be replaced by accident insurance. When the housing provident fund lacks a loan to buy a house, it is necessary to pay a little more interest on the commercial loan.

2.Individual payment of endowment insurance and medical insurance payment process: bring the household registration book, ID card, unemployment certificate, ** can go to the social security agency in the district where the household registration is located, and participate in the social security according to the personal identity to go through the registration procedures for hospitalization insurance.

After resignation, the unit stopped paying "five insurances and one housing fund". You can contribute yourself as a freelancer. However, individuals can only pay endowment insurance and medical treatment insurance. Several other items are not boring, but can only be paid. Ant Burning Pei.

After the five insurances and one housing fund are suspended, how can individuals pay? If the payment of five insurances and one housing fund is stopped, and you absolutely want to pay it personally, then you can only go to the local government affairs hall for five insurances and one housing fund to consult, and then continue to pay by the individual.

Pay social security on your own as a freelancer or as a flexible worker. You can also pay social security with the original single vertical belt return, and the payment of five social insurances and one housing fund, personal surplus hunger and unit payment must be borne by yourself, and the company that helps pay on behalf of you may also have to charge a certain fee.

If you terminate the contract with your labor, you can go to the social security window to handle it, and if you are qualified, you can also receive unemployment benefits.

After the unit goes through the procedures for reducing social security for individuals, you can turn into flexible employees and continue to pay social security, but there are some types of insurance and one housing fund that cannot be paid by individuals, such as work-related injury and unemployment insurance.

Individuals can purchase endowment insurance and medical insurance by themselves in the form of flexible employment, and handle it at the social security bureau or medical insurance bureau of the district where your hukou is located.

Individuals can only pay endowment insurance and medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and provident fund, which are included in the five insurances and one housing fund.

Go to the administrative hall to handle the freelancers' own payment, or transfer to the social security of urban residents.

Employees can independently participate in employee pension and employee medical insurance according to the personnel ** of flexible employment.

Five insurances and one metal unit payment standard, individuals can only pay two insurances, namely endowment insurance and medical insurance.

You can personally go to the Social Security Bureau to pay it.

Social security interruption contributions can be renewed, which mainly affects the pension insurance and medical insurance of the insured.

1.Pension insurance, pension insurance payment period before and after the interruption can be accumulated lead closed calculation, in the calculation of pension is based on the cumulative number of months, not how many consecutive months or how many consecutive years, so the pension insurance payment period interruption for the pension is not affected, as for whether it needs to be paid, depending on the specific situation of each person, if the insured has reached the retirement age, only the supplementary payment can be handled, then it is necessary to make up the payment, if the insured is still relatively young, then there is no need to make up, and then pay it, because there is a certain price to pay, not that you can pay social security premiums and late fees, but also have to pay a handling fee to the agency, so there is no need.

2.The impact of social security discontinuation and medical insurance reimbursement is great. As far as Shenzhen is concerned, after the interruption of social security contributions, the impact of pension insurance is not great, but the reimbursement amount of medical insurance will be affected.

Shenzhen Social Medical Insurance Measures stipulate that if the insured is interrupted for more than 3 months in a medical insurance year, although it will not affect its cumulative payment period, its continuous payment period will be recalculated.

The continuous payment period is closely related to the amount of medical insurance reimbursement, taking the payment limit of local supplementary medical insurance** as an example, if the insured has been insured for less than 6 months, the maximum payment amount is 10,000 yuan; If you have been insured for 72 consecutive months, the maximum amount can reach 1 million yuan. If the insured person has paid medical insurance in Shenzhen for 6 consecutive years, once he returns to Shenzhen to re-enroll after more than 3 months, the reimbursement amount will drop sharply from 1 million yuan to 10,000 yuan.

The personnel who have broken the insurance should first go to the archives center of the Human Resources and Social Security Bureau to check whether the original unit has transferred the files to the archives center, and if not, go to the competent department of the original unit to find the files; Personnel who are determined to have lost their files should go to the relevant departments to inquire about the recruitment procedures of the unit at that time. The staff of the Social Security Department will help find the procedures for increasing and decreasing the pension insurance and the payment records of the past years, re-file and renew the insurance procedures.

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If the five insurances and one housing fund are insured in the name of an individual, the missed payment cannot be made up, and only the missed payment caused by the unit can be made up and the five insurances can be paid up. If the unit does not make a declaration (does not open an account), it can only make up the pension (work-related injury and maternity insurance belongs to the type of insurance that is "paid in the current period and enjoyed in the current period", and there is no problem of supplementary payment and transfer), and after the employee leaves the company, it is usually handled in the following way:

1. Endowment insurance can be interrupted, it doesn't matter if it is interrupted in the middle, and finally it is the cumulative number of years. Transfer procedures: Print the transfer form in the original unit and hand it over to the new unit to continue to pay.

2. Medical insurance: Workers can join the local basic medical insurance for urban employees when they go to work in a new city after leaving their jobs. The social security agency of the new place of employment will notify the social security agency of the original place of employment to go through the transfer procedures, and the worker will no longer enjoy the benefits of basic medical insurance in the town of the original place of employment, and the original place of employment will issue a certificate of participation for future reference while suspending the insurance procedures.

At the same time, the balance of the personal account is transferred through the insurance agency. When you enroll in health insurance at your new place of employment, you can provide enough information about your health insurance coverage to worry about all the transfer of your health insurance relationship.

3. Unemployment insurance: In-service employees who move within the province or to other provinces shall go through the procedures for the transfer of unemployment insurance relations at the agency that accepts the unemployment insurance business of their original unit. The handling agency shall issue a certificate of the employee's participation in insurance and payment, and the employee shall continue the unemployment insurance relationship with the unemployment insurance agency in the place of relocation with this certificate, and there is no need to transfer funds.

If an unemployed person is transferred across the overall planning area within the province during the period of receiving unemployment insurance money, the handling agency of the place of relocation shall issue a certificate, and the unemployed person's certificate and the "Unemployment Insurance Handbook for Employees" shall continue the unemployment insurance relationship with the handling agency of the place of relocation, and receive unemployment insurance money according to the standard of the place of relocation, and there is no need to transfer funds. If an unemployed person moves across provinces, the handling agency at the place of relocation shall issue a certificate and transfer the required funds, and the unemployed person's certificate and fund transfer procedures shall be transferred to the handling agency at the place of relocation to continue the unemployment insurance relationship.

4. Work-related injury and maternity insurance belongs to the type of insurance that is "paid in the current period and enjoyed in the current period", and there is no problem of supplementary payment and transfer.

5. The housing provident fund is similar to a deposit, and it doesn't matter if it is broken. If you meet the withdrawal conditions, you can only withdraw it once a year, and you must go to the housing provident fund management center where the original unit is located to withdraw it. You can pick it up by yourself or entrust it to the unit.

Transfer procedures: first open an account in the new unit, take the account number to the original unit, and let the original unit transfer the money from the original account to the new account.

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.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"