Is it okay not to renew the five insurances and one housing fund after being paid for a period of ti

Generally, it is best not to do it, because it will affect the mortgage and car loan.

The five insurances and one housing fund are generally paid by the entry unit, so there is no saying that the relationship will be invalid.

How long will it take for the five insurances and one housing fund to be invalidated?

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 injury insurance and maternity insurance are entirely borne by the enterprise, and individuals do not need to pay for it. 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) Pension insurance: For pension 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 medical treatment after three months.

3) Unemployment insurance, work-related injury insurance, and maternity insurance: These three types of insurance can be applied to 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for stopping the housing provident fund payment, the money is still in your provident fund account and can be withdrawn when the relevant conditions are met.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, except for medical insurance, the consequences of the suspension of other insurance for a while are not very serious. If you can find a new employer soon, then you only need to issue a transfer certificate at the original unit, and then the new employer will handle the transfer for you, and continue to pay after the transfer of 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.

Five insurances and one housing fund have been interrupted for one year, and they can be renewed. Five social insurance and one housing fund can be paid up, there is a time requirement for the payment, generally you can pay 3 to 5 years of social security-related expenses, after arriving at the new unit to work, the unit will renew for the employee, you can also renew the five social insurance and one housing fund, the individual can pay the pension insurance and medical insurance. In general, social security can not be used after 3 months of suspension, there are five types of insurance in the social security card, each type of insurance has different provisions on the suspension time, if medical insurance, stop paying for more than three months, will no longer enjoy the treatment of medical insurance reimbursement.

The suspension of the social security card will affect the individual's enjoyment of medical treatment, pension and other benefits, and affect the individual's reemployment. For some reason, the social security has been interrupted for one year, and the social security can also be renewed, as long as the payment has been paid for 15 years, the intermediate payment has not had much impact, only late fees will be generated, and you need to pay it yourself, so it is recommended to make up the payment as soon as possible.

Article 60 of the Social Insurance Law of the People's Republic of China An employer shall declare and pay social insurance premiums in full and on time, and shall not defer or reduce or reduce the payment 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.

The proportion of individual and company contributions to five insurances and one housing fund.

The proportion of individual and company contributions to five insurances and one housing fund is as follows:

1. For endowment insurance, units and individuals pay 20 and 8 of their wages respectively;

2. Medical insurance, 11 for the unit and 2 for the individual;

3. Unemployment insurance, 2 for the unit and 1 for the individual; Respectfully dismantled.

4. Maternity insurance, the unit pays about it. Five social insurances and one housing provident fund are jointly paid by units and individual employees, and the specific contribution rates of five social insurances and one housing provident fund vary from place to place.

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.

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

If there is an interruption in the middle of the five insurances and one housing fund, you can continue to pay. 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).

1. Jujube 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.

2. Medical insurance: If the payment is broken within 60 days, you can continue to enjoy the treatment in the next month, if it is more than 60 days, within 180 days, the payment will start on the same day, and you can enjoy the medical insurance treatment after the payment reaches three months. If it is more than 180 days, it will take 6 months.

3. Maternity insurance: If you want to enjoy the treatment of maternity insurance, you must pay it continuously for more than one year, and you can not break it at night when you enjoy the treatment.

4. Unemployment insurance: Unemployment insurance is after you are unemployed, and you have been registered as unemployed, and there are job search requirements, and you are not willing to work, the most important thing is that you can receive it if you have paid insurance continuously for one year.

5. Work-related injury insurance: Work-related injury insurance will not enjoy the corresponding treatment when you are not working, that is, if you do not participate in the insurance. However, if it is because the enterprise or unit has not paid to you, you can request the enterprise or unit to compensate for the corresponding work-related injury compensation.

Legal basis. Article 63 of the Full Text of the Social Insurance Law of the People's Republic of China Where an employer fails to pay social insurance premiums on time and in full, the social insurance premium collection agency shall order it to pay or make up the amount within a time limit. If the employer fails to pay or make up the social insurance premiums within the time limit, the social insurance premium collection agency may inquire about its deposit account with banks and other financial institutions; They may also apply to the relevant administrative departments at or above the county level to make a decision on the allocation of social insurance premiums, and notify their depositary banks or other financial institutions in writing to allocate social insurance premiums.

If the balance of the employer's account is less than the social insurance premiums to be paid, the social insurance premium collection agency may require the employer to provide a guarantee and sign a deferred payment agreement. If the employer fails to pay the social insurance premiums in full and fails to provide a guarantee, the social insurance premium collection agency may apply to the people's court to seize, seal up or auction the property whose value is equivalent to the social insurance premiums to be paid, and use the auction proceeds to offset the social insurance premiums.

Five insurances and one housing fund can be renewed if the payment is broken. The severance of pension insurance has no effect, as long as you pay for 15 years before retirement, you can receive a pension; If the medical insurance is interrupted within 60 days, you can continue to enjoy the treatment in the next month; If it is more than 60 days and less than 180 days, the payment will start on the same day, and you can enjoy the medical insurance treatment after three months of payment. If it takes 6 months for more than 180 days, the maternity insurance must be paid continuously for more than one year, so in order to enjoy the maternity insurance, it must be paid continuously within one year.

The payment ratio of five insurances and one housing fund is as follows:

1. The proportion of endowment insurance contributions, 20% for units, all of which are allocated to the overall planning, and 8% for individuals, all of which are allocated to personal accounts;

2. The proportion of medical insurance payment is 8% for units and 2% for individuals;

3. The proportion of unemployment insurance contributions, 2% for units and 1% for individuals;

4. The proportion of work-related injury insurance contributions, the unit pays 1% for you every month, and you don't have to pay a penny for yourself;

5. The unit pays 1% for you every month, and you don't have to pay a penny;

6. The proportion of provident fund payment, according to the actual situation of the enterprise, choose the proportion of housing provident fund payment. However, in principle, the maximum contribution shall not exceed 10% of the average salary of the employee. Generally, employers pay 12% of their wages to the housing provident fund.

Both employers and individuals are 12% of the salary.

Legal basis. Article 58 of the Social Insurance Law of the People's Republic of China.

The 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 have not completed the social insurance registration, the social insurance agency shall verify the bank or determine the social insurance premiums that they should pay.