Sihai network

How to deal with the old-age insurance for several years? How to make up after the interruption of e

How to deal with the interruption of endowment insurance? Can the insured continue to pay for the interruption of endowment insurance due to unemployment and other reasons? Is this a problem that many people will consult? Can the endowment insurance be made up after the interruption?

In fact, the old-age insurance is allowed to interrupt the payment for the employees during the period when they are unemployed and receive unemployment relief benefits. Other interrupted payment periods shall be handled according to the arrears and must be made up. However, for the individual employees and flexible employees, if the payment is interrupted due to unstable income and other personal reasons, it shall be handled in accordance with the relevant provisions, and no supplementary payment is allowed. So what about the interruption of endowment insurance?

Can endowment insurance payment be interrupted?

According to the social insurance law of our country, the old-age insurance participants can enjoy the old-age insurance benefits when they reach the legal retirement age and the accumulated payment years reach the minimum years. So it doesn't matter if there is a break in the process of endowment insurance payment, but the longer the break will affect the pension level of the insured.

How to deal with the interruption of endowment insurance

1. First of all, we need to know that the pension insurance will not be invalidated. The pension insurance is calculated cumulatively. For the employees who participated in the work before July 1, 1998, they have paid the basic pension insurance for more than 10 years. For the employees who participated in the work after July 1, 1998, they can enjoy the pension treatment when they have paid for 15 years at the retirement age. In the middle, they are allowed to pay off.

2. It is allowed to suspend the payment for the employees who are unemployed during the period of receiving unemployment benefits, and other interrupted payment periods shall be handled according to the arrears and must be made up. If you choose to make up the payment in the future and continue to make the payment, you can continue to calculate.

3. According to the Interim Measures for the management of individual accounts of basic endowment insurance for employees, if a unit or individual fails to pay the basic endowment insurance premium in full and on time for some reason, it shall be deemed to be in arrears. In the month of overdue payment, no matter in full or in part, it will not be recorded in the individual account temporarily. It can only be recorded in the individual account after the unit or individual makes up the overdue amount according to the regulations.

4. During the period when the enterprise to which the employee belongs fails to pay the endowment insurance expenses, the employee may continue to pay the endowment insurance expenses, and the fully paid expenses shall be recorded into the individual account and calculated as the actual payment period of the employee.

5. In case of overdue payment, the subsequent payment shall be accounted by rolling distribution method: that is to say, the remaining part shall be paid in the current month after the overdue fee and interest are paid first.

6. The overdue fine for making up endowment insurance is calculated as 2% per day. According to the actual situation, you can directly consult the local social security center, and the telephone number is 12333.

7. For the individual employees and the flexible employees, if the payment is interrupted due to the unstable income and other personal reasons, the payment shall be handled according to the relevant provisions, and the supplementary payment is not allowed. When the accumulative contribution is less than 15 years, the employee will receive a one-time pension and will no longer enjoy the pension insurance treatment.

1、 What about the interruption of payment of endowment insurance?

[reply]: you can choose to supplement or renew social security. There is a time requirement for supplementary payment. Generally, the relevant social security expenses of 3 to 5 years can be made up. The minimum payment period of endowment insurance is 180 months, i.e. 15 years. You can pay more, and then you can get more. At the same time, endowment insurance can be accumulated to calculate the number of years to pay, that is, intermittent payment is allowed. You can apply for pension benefits when you reach retirement age. Therefore, endowment insurance can be supplemented or not, as long as the minimum 15 years can be paid. Generally, the collection of overdue fine for supplementary payment is calculated as 2% per day.

2、 Can endowment insurance be cut off?

[reply]: payment of endowment insurance can be interrupted. 1. After you find a job, you can ask the new company to pay for your endowment insurance. As long as you have paid for 15 years and reached the age of retirement, you can get a pension on a monthly basis. 2. General social endowment insurance can not be withdrawn in advance; in special cases, withdrawal can only be made by individuals, and others can enter the social pooling fund.

3、 I had social insurance in my previous unit, but after changing the unit, I didn't connect it all the time. After a year, the unit began to provide you with insurance. Want to ask, if insurance appears interrupt, continue to pay, can you be affected? Can endowment insurance pay period interrupt? Is accumulative total 15 years or successive pay 15 years?

[reply]: the endowment insurance can be interrupted. After the premium is paid again, it can be calculated by adding up the total number of years you have paid before. Those who participated in the work before July 1, 1998 have paid basic endowment insurance for more than 10 years in total, and those who participated in the work after July 1, 1998 have paid basic endowment insurance for more than 15 years in total. With the approval of the enterprise and the competent department or the labor and social Security Department of the district and county, they can receive basic endowment insurance on a monthly basis after going through the retirement procedures.