After resignation, social security knows how to deal with it, and will not stop paying
Many people know that after the social security payment is cut off, it will bring some adverse effects, but when they leave their jobs, they don’t know how to deal with them, so that the payment will not be cut off. Today, let’s talk about the handling of social security after resignation, and what impact it will have after social security payments are cut off. I hope that when you resign, you don’t just ignore everything after the handover is completed.
After resignation, social security knows how to deal with it, and will not stop paying
What are the effects of social security cutoffs?
The social insurance mentioned here usually refers to social insurance. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. Many people will simply understand social security as the one who receives pensions. In fact, pensions are only part of it.
Uncle Wang used to be a security guard and has resigned for 3 months. The previous social security was paid for by the company. When I resigned, I didn’t know how to continue to pay by myself, thinking that it would not have any impact on myself. Later, after suffering from an illness and being hospitalized, when I was going to take medical insurance for reimbursement, I was told that it could not be reimbursed. The reason is that his medical insurance has been cut off for more than 3 months, and he can no longer enjoy the benefits of medical insurance. He can only use the balance in the medical insurance card.
Cases like Uncle Wang are not uncommon. Many people don’t understand the impact of the social security cut off after they leave their jobs.
So what will be the impact of the social security cut off?
In terms of pensions, the impact is actually not too big. According to the regulations, pension insurance only needs to be paid for 15 years in total, that is, if the payment is interrupted in the middle, it only needs to be paid for 15 years later. When you reach retirement age, you can also receive a monthly pension.
The major impact of the social security payment is the medical insurance. If the medical insurance starts from the next month after the payment is terminated, you will not be able to enjoy the medical insurance treatment, and you can only use the balance of the medical insurance card. If you only stop paying for less than 3 months, then you have to make up the previous fees before you can continue to enjoy medical insurance benefits.
If you stop paying for more than 3 months, you will have to wait another 3 months before you can enjoy the medical insurance benefits after paying the previous fees. If you do not make up the payment, the medical insurance payment period will be recalculated. In other words, when you are unemployed, if you have not paid social security by other means, try to find a new job within 3 months.
For female employees, maternity insurance must be paid for 12 consecutive months (including the current month) in order to enjoy maternity insurance benefits. If you plan to give birth in the near future, you must consider this issue. Of course, each place has different supplementary payment policies, you can consult the relevant local departments for details.
As for unemployment insurance, work injury insurance, etc., the impact is relatively small, but after the social security payment is cut off in some places, it will have a certain impact on buying a house and buying a car. If you have needs in this area, you need to know the local policies in time.
There are two payment methods to avoid payment interruption
Through the above analysis, we know that the impact of social security payment cut off is still quite large, so when you leave the job, the best way to solve the cut off payment is to find a good job and then resign, instead of choosing a naked resignation method. There will be no withdrawals. If you have already resigned, or have to resign, you can pay the social security in this gap in the following two ways, and you can also avoid the situation of breaking the payment.
- Payment by social security agency
The advantage is that, like on-the-job, all types of insurance can help you pay, including a gold. The disadvantage is obvious, that is, the part that the enterprise needs to bear, and it also has to pay a service fee to the payment agency. The economic pressure it bears every month is still quite large. When choosing a social security payment agency, you must identify a formal and reliable payment agency to prevent being deceived.
- Personal payment
This method is not suitable for everyone, mainly local urban residents can apply for it, and only two types of pension and medical insurance can be paid. The payment standard is based on the average salary of the local community in the previous year, the pension payment ratio is 20%, and the medical treatment is about 9%. At present, there are two levels of 80% and 100% to choose from. Different regions have different policies on this, you can consult the local social security bureau.