What are the common problems with personal insurance? Personal insurance is not counted as seniority? What effect does the cut-off have on pensions? Essen Insurance takes you to understand the four misunderstandings of five insurances and one gold. (Text / easy to participate in insurance)
The term “working age” in everyone's mouth actually refers to the number of years of payment for the pension insurance of enterprise employees. As long as you have paid for 1 month, there will be a month of accumulation!
Regardless of whether you are enrolled in a unit or as an individual with flexible employment, the number of years of payment will be calculated, and there will be "working years" if there is a city change in the middle!
In fact, there are three ways to participate: social insurance for residents, social insurance for flexible employment, and social insurance for enterprise employees.
In addition to the very low social insurance benefits of residents, the formula for calculating and issuing pensions in retirement is the same as the last two insurance methods. Under the premise that the payment base is the same, the amount of pensions issued is almost the same.
The difference between flexible employment social security and enterprise employee participation is: 20% of the individual is fully paid, and the individual is 8% and the enterprise is paid 12% (varies according to local regulations).
[Reminder of the Uncle] Once the personal account of the pension insurance is established, it will remain unchanged for life!
In other words, no matter where you pay, no matter whether the payment has been interrupted, the pension insurance personal account will cumulatively record the rights and interests of the insured, and there is no such thing as "zeroing".
Because the payment term of pension insurance is calculated cumulatively, these three situations : changing jobs, changing cities, and breaking payments will not clear records!
Article 16 of the "Social Insurance Law" stipulates: "Individuals who participate in basic pension insurance and have accumulated 15 years of paid contributions when they reach the legal retirement age shall receive a basic pension on a monthly basis."
In other words, 15 years is just the minimum payment period for receiving pension! The payment period is directly linked to the pension! So, keep paying!
Finally: What is the impact of the social security cut off? It is more influenced by local policies or personal and family treatment.
For example: the continuous payment requirements for point admission, the payment requirements for affordable housing (Fuzhou and Xiamen require continuous payment of social security for 1-3 years), and the medical insurance will significantly reduce the reimbursement amount after the payment is cancelled! (Text / easy to join the small program)