Is there a difference between the five insurances and one housing fund on the company s insurance if

If you leave your job, you can continue to pay, as long as you bring your ID card to the social security center to go through the formalities and change the payer to an individual.

You can pay it yourself according to the local minimum standard, such as less than 1,000 yuan a month in Beijing, including the personal part and the unit part. In terms of social security transfer, social security collection, etc., there is no difference between self-payment and company payment.

The five insurances and one housing fund are paid by individuals and companies respectively according to the corresponding proportions.

1. Endowment insurance: 20% of the base amount is paid by the unit, and 8% of the base amount is withheld by the individual;

2. Unemployment insurance: units pay according to the base, individuals withhold according to the base, and migrant workers do not pay;

3.Work-related injury insurance: according to the nature of the unit, the withholding ratio is different, for example, for wholly foreign-owned enterprises, 1% of the base amount is paid, and individuals do not pay;

4.Maternity insurance: Employees with foreign household registration are not covered by this insurance, and employees with Beijing household registration are paid according to the base number, and individuals do not pay;

5.Medical insurance: the unit pays 9% (basic medical care) + 1% (large-amount co-ordination) of the base, and the individual withholds 2% (basic medical care) + 3 (large-amount co-ordination);

6.Housing Provident Fund: Units and individuals are paid at 8% of the base, and if the unit conditions are good, it can be applied for to be increased to 10%.

Legal analysis: If you find a new employer, you can go through the insurance transfer procedures, and continue to pay according to the original account number, without making up the payment. If you do not find a new employer, for endowment insurance, you can stop paying after resigning, resulting in the interruption of the payment period and the cessation of personal account accumulation, but as long as the time is not long, it will have little impact on the future; Or the individual pays in full, that is, the past is paid together with the part paid by the enterprise.

Medical insurance also has a personal account, and the treatment method after resignation is basically the same as that of pension insurance, and the money in the personal account can continue to be used locally. Work-related injury insurance, unemployment insurance, and maternity insurance do not have personal accounts, and the insurance will be automatically lifted after resignation, but unemployment insurance can be received as long as the payment has been paid for one year and unemployment is not caused by personal reasons. The housing provident fund has a personal account, and the fees paid by enterprises and individuals all form the total amount of the personal account, and the money in the account after resignation is still the laborer's, as long as it meets the provisions of the provident fund withdrawal, it can be withdrawn at any time, and it can also be renewed in the future, and it will never be invalid.

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

Article 19 If an individual is employed across the overall planning area, his basic pension insurance relationship shall be transferred with him/herself, and the payment period shall be calculated cumulatively. When an individual reaches the statutory retirement age, the basic pension is calculated and paid in stages. The specific measures are stipulated by ***.

Article 32 If an individual is employed across the overall planning area, the basic medical insurance relationship shall be transferred with him/her, and the payment period shall be calculated cumulatively.

Article 52 Where an employee is employed across the overall planning area, his unemployment insurance relationship shall be transferred with him/herself, and the number of years of payment shall be calculated cumulatively.

Lawyer analysis

After resigning from work, you can pay five insurances and one housing fund by yourself, but you need to pay in full, together with the part that was originally paid by the enterprise.

First of all, endowment insurance, because endowment insurance has a personal account, so employees can be dealt with in these three ways after resignation:

1. Suspending payment during the period of not working is equivalent to temporarily interrupting the accumulation of personal accounts and the payment period, as long as the payment is not stopped for too long, the impact will not be too great.

2. Do not interrupt the payment, and the individual pays in full, that is, you pay even what the company helped you pay before.

3. If you need to go to another province or city to work, you have to go through the insurance transfer procedures.

After moving to the place of work, you can continue to pay the previous fees when you move to the new company.

Secondly, look at medical insurance, this kind of insurance is also a personal account, after the employee resigns from the original company, the treatment of medical insurance and pension insurance is almost the same.

Of course, the money in the personal account can be used locally by the cardholder, such as buying medicines, health products, etc.

Then look at work-related injury insurance, unemployment insurance, maternity insurance.

There is no one of these three types of insurance, and when the employee resigns from the original company, these three types of insurance will be released.

Legal basis

Labor Law.

The five insurances and one housing fund paid by the company can be solved in the following ways after the resignation of the employee: 1. Temporary suspension of payment, generally within a short period of time, will not have a significant impact; 2. Individuals continue to pay the cost of five insurances and one housing fund; 3. If you join a new company, you can let the new company renew, and those who are looking for jobs in other places need to go through the transfer procedures as soon as possible. Five social insurances and one housing fund refer to several types of guaranteed benefits given by employers to employees, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.

Article 60 of the Social Insurance Law An employer shall declare and pay social insurance premiums in full and on time, and shall not defer or reduce or reduce the payment of social insurance premiums except for force majeure or other statutory reasons. The social insurance premiums to be paid by the employee shall be withheld and paid by the employer, and the employer shall inform the employee of the details of the social insurance premiums paid on a monthly basis. Individually-owned businesses without employees, part-time employees who have not participated in social insurance at the employer, and other flexibly employed persons may directly pay social insurance premiums to the social insurance premium collection agency.

After the resignation of the five insurances and one housing fund, the employer will transfer the social security relationship in accordance with the law, and the housing provident fund will stop paying contributions. If the worker finds a new employer, the new employer will continue to pay social security according to the law. If you can't find it, you can pay it yourself as a flexible worker.

1. Can the payment of five insurances and one housing fund be suspended after leaving Hanhuai's errand?

OK. After the employee resigns, the employer will go through the relevant resignation procedures for the employee, suspend the employee's social security, and wait for the employee to find a job, and the new employer will let the employee pay social insurance, and the employee can go to the local social security bureau of the new employer to apply for transfer and renewal. After resignation, the original employer will reduce the number of employees from the company's account, and then the employee can continue to pay social insurance by himself as a freelancer, or he can transfer to the new company's account and let the new company continue to pay social insurance.

CPF is similar to Social Security.

2. Can I get five insurances and one housing fund after leaving my job?

If the employee leaves the job and goes to work with the new employer, the original employer shall go through the procedures for the transfer of social insurance relationship for the employee within 15 days, and the new employer and the employee shall jointly pay five social insurances and one housing fund; If the worker is not employed by the employer, he or she can pay social insurance premiums directly to the social insurance premium collection agency as a flexible employee.

3. What should I do with five insurances and one housing fund after resignation?

How to deal with five insurances and one housing fund after resignation:

1. Pension insurance: talk about skin.

1) Stop payment, form the interruption of the payment period, and stop the accumulation of personal accounts, but as long as the time is not long, it will have little impact on the future;

2) The full amount is paid by the individual, that is, the payment is not interrupted, and the past is paid together with the part paid by the enterprise;

3) If you go to other places to find a job, you can go through the insurance transfer procedures and go to a new employment area.

2. Medical insurance: medical insurance, there are also personal accounts, and the treatment method after resignation is basically the same as endowment insurance, and the money in the personal account can continue to be used locally.

3. Work-related injury insurance, unemployment insurance, and maternity insurance: work-related injury insurance, unemployment insurance, and maternity insurance do not have personal accounts, and the insurance will be automatically lifted after resignation, but the unemployment insurance can be received as long as the unemployment is paid for one year and is not caused by personal reasons.

4. Housing Provident Fund: Housing Provident Fund, with personal accounts, fees paid by enterprises and individuals, all form the total amount of personal accounts, as long as it meets the provisions of the provident fund withdrawal, it can be withdrawn at any time, and it can also be renewed in the future, and will not be invalidated.

Article 50 of the Labor Contract Law of the People's Republic of China stipulates that the employer shall issue a certificate of dissolution or termination of the labor contract when dissolving or terminating the labor contract, and shall go through the formalities for the transfer of the employee's file and social insurance relationship within 15 days. The worker shall handle the handover of work in accordance with the agreement between the two parties. Where an employer shall pay economic compensation to an employee in accordance with the relevant provisions of this Law, it shall do so at the time of completion of the work handover.

The employer shall keep the text of the labor contract that has been dissolved or terminated for at least two years for future reference.