What 90% of people don’t know about the impact of not discontinuing social security

Foreigners who buy a house or a car have to pay social security for a full year. If they are interrupted in the middle, it will not count. Social security is cut off. Pension insurance will be affected in the future. There are various opinions about the impact of the interruption of social security. For some people, social security will inevitably be interrupted due to work interruption, going to school midway, starting their own business, etc.
So, what impact will the interruption of social security have on individuals? Are there any remedies? Come and take a look with the editor~~
Why can’t social security be cut off?
How important is it to continue to receive social security benefits?
For example, in Beijing, if you have a non-local household registration, you can only buy a car or a house in Beijing if you have received social security for one consecutive year. The social security here only covers five insurances. As long as there is a break of one day, the year will be recalculated.
The most important ones are pension insurance and medical insurance. You have to pay pension insurance for enough years to enjoy life-long benefits after retirement. The same is true for medical insurance. Women must pay for enough years, and men must pay for enough years.
There won’t be much impact if other insurances are terminated. Unemployment insurance, maternity insurance, and housing provident fund are all three, as long as you pay them for enough years before using them.
What should I do if my social security is cut off?
If you are planning to buy a house or a car, you must pay attention to:
Never cut off your social security, even for a month. According to Beijing’s regulations, there is no chance of making up the payment, and the year will be calculated from the beginning. Many friends who change jobs will face this problem. There is no one to help you pay social security when your job is interrupted. Nowadays, there are many intermediary companies that help pay social security, and you only need to pay according to the minimum base.
If you are going to enjoy lifelong pension and medical insurance, please pay attention to the following two points:

The number of years of pension and medical insurance can be accumulated. If it is interrupted, you only have to pay for enough years. . If you reach the retirement age and still do not have the minimum payment years, you can apply for deferred payment if you have a Beijing household registration. You can apply for deferred payment if you have a household registration in other places for enough years. If you have not enough years, you can only transfer it back to the place where your household registration is.
.The medical insurance is discontinued and the medical insurance benefits will stop from next month. If you pay again, you can still be reimbursed. In case of interruption of payment, the medical insurance card will have a recovery period of two to three months. During these two to three months, reimbursement can only be made manually, and the medical insurance card cannot automatically reimburse. Of course, this is only a regulation in Beijing. Some places stipulate that if payment is suspended for more than two months, there will be a six-month waiting period, and you cannot be reimbursed during these six months.
How do freelancers without an employer pay social security?
As long as you provide it yourself, you can only apply for three insurances (pension, medical care, and unemployment) through normal channels. If you find an agency, you can apply for five insurances and one fund.
If you have a local household registration, you can pay at the local employment service center and talent service center. If you have an out-of-town household registration and want to work as a freelancer in a different place, such as Beijing, you can only find a social security agency. Usually you pay a few hundred yuan a year in service fees, and it can help with the five insurances and one housing fund.

Taking Beijing as an example, there are three basic numbers to choose from for the three insurances on normal channels: low-end is RMB, mid-range is RMB, and high-end is RMB 3.
If I go back to my hometown to work, do I need to renew my social security?
Of course you have to continue, be sure to transfer!
Nowadays, many people leave Beijing, Shanghai and Guangzhou and give up the social security they paid before. They feel that it is of no use and they will pay again when they return. If you have already taken social security in Beijing for 2019, and did not transfer the social security when you returned home from 2016 to 2015, and then returned to your hometown to enroll again, you will not even be able to pay for medical insurance. Medical insurance benefits are gone.
Social security is so important! Pay social security in time and don’t be willful!
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