Many times when employees leave, how to transfer the housing provident fund and social security is a very troublesome thing. So how to deal with the social security and provident fund after leaving? How to deal with the provident fund after leaving? If you have the plan of job hopping, you might as well understand it together.
How to deal with social security after leaving?
1. Those who have not found a job or do not want to work for a short time after leaving the company
Solutions: in this case, you can choose flexible employment; you can pay social security in the talent market, but you can only deal with endowment insurance and medical insurance; or you can find social security agencies to pay relevant social security fees.
2. Before leaving the company, I had already found the next company
Solution: the new company's personnel management department can handle the social security transfer procedures, and the relevant person in charge of the company will tell you what materials need to be prepared.
What to do if the payment of social security / provident fund is interrupted?
1. Endowment insurance
The number of years of pension and medical insurance can be accumulated. After the interruption, the accumulated number of years can be collected, but the treatment will be affected.
If the retirement age, or not enough to pay the minimum number of years, continue to pay, pay full to the national requirements of the number of years.
The endowment insurance is 15 years, and the medical insurance payment period is 25-30 years for male and 20-25 years for female.
2. Medical insurance
It is worth noting that the medical insurance has been cut off, and the medical insurance treatment will stop from next month, so it can be reimbursed if it is paid again.
If the payment is interrupted, the medical insurance card will have a recovery period of 2 to 3 months. In these 2 to 3 months, the medical insurance card can only be reimbursed manually, but not automatically.
3. Unemployment insurance, industrial injury insurance and maternity insurance
As for unemployment insurance, work-related injury insurance and maternity insurance, although these three kinds of insurance have to be paid, the continuous influence is not great. In particular, unemployment insurance has many restrictions on receiving. The longest period of receiving unemployment insurance is two years, which can be ignored basically.
Starting from the second month after the suspension of maternity insurance payment, they can no longer enjoy relevant benefits, and maternity insurance can not be paid in the name of an individual, and the time of insurance renewal after the interruption needs to be recalculated.
4. Housing fund
Compared with social security, the impact of the cut-off payment of the provident fund is small, because if you are not in a hurry to buy a house in the next year, the impact of the suspension is not too big; but it is better not to stop for too long, because the proportion of the payment of the provident fund itself and the company is more, 10% - 12%, more pay more.
How to deal with social security / provident fund after leaving?
1. Endowment insurance
(1) If the payment is stopped, the payment period will be interrupted, and the accumulation of personal accounts will stop, but as long as the time is not long, it will have little impact on the future;
(2) By the individual full payment, namely does not interrupt the payment, in the past together with the enterprise to pay the part of their own;
(3) If you go to other places for employment, you can go through insurance transfer procedures and go to new employment areas.
2. Medical insurance
Medical insurance, there are also personal accounts, resignation after the basic treatment with endowment insurance, personal account money can continue to use in the local.
3. Industrial injury insurance, unemployment insurance and maternity insurance
There are no personal accounts for industrial injury insurance, unemployment insurance and maternity insurance. After resignation, the insurance will be automatically terminated. However, as long as the payment of unemployment insurance is completed for one year, if the unemployment is not caused by personal reasons, you can get it.
4. Housing fund
Housing provident fund has personal accounts, and the fees paid by enterprises and individuals all form the total amount of personal accounts, just like the bank's petty deposit and lump sum ownership belongs to individuals. After resigning, they just stop saving money, but the money in the account is still yours. As long as it meets the provisions of provident fund withdrawal, it can be withdrawn at any time, and it can be renewed later, and it will not be invalid.