How to deal with social security after resignation
Recently, "How to deal with social security after resignation" has become a hot topic. Many working people face the problem of social security withdrawal when they change jobs or resign. Social security is related to many aspects of benefits such as medical care, pensions, and childbirth. Suspension of payment may affect personal rights and interests. This article will provide a structured analysis of how to handle social security after resignation and provide practical suggestions.
1. The impact of social security suspension
Social security includes pension insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. The impact after the suspension of payment is as follows:
| Insurance type | Impact of suspension of payment |
|---|---|
| Pension insurance | The cumulative contribution years are reduced, which may affect the pension amount |
| medical insurance | Medical expenses cannot be reimbursed during the payment suspension period, and some cities require re-accumulation of payment years. |
| unemployment insurance | You cannot receive unemployment benefits if you resign voluntarily |
| maternity insurance | You will not be able to enjoy maternity benefits after the payment is stopped. |
2. Social Security Treatment Plan after Resignation
Depending on the different situations after resignation, you can choose the following methods:
| situation | Processing method | Things to note |
|---|---|---|
| Found a new job | The new unit can directly renew the payment to ensure seamless connection. | Confirm the social security handover time between the old and new units |
| temporarily unemployed | Pay pension and medical insurance with flexible employment status | You need to bear all costs yourself |
| long-term unemployed | Converted to social security for urban and rural residents (only pension and medical care) | Benefits are lower than employee social security |
| Changing jobs across provinces and cities | Handle social security transfer and merger | A transfer certificate must be issued in the original insured place |
3. Practical Step Guide
1.Check payment records: Confirm the current payment status through "Alipay-Citizen Center" or the local social security official website.
2.Flexible employment insurance: Bring your ID card and household registration book to the Social Security Bureau for application. Online application is supported in some areas.
3.Social security transfer process:
- After the original unit ceases insurance, apply for the issuance of an "Insurance Payment Voucher"
- Submit the voucher in the new insured place and handle the transfer and renewal
4.Back payment policy: Some cities allow supplementary payment for the suspended payment month (usually within 3 months), please consult the 12333 hotline.
4. Frequently Asked Questions
Q1: Can the medical insurance card still be used after resignation?
A: Reimbursement cannot be made from the month after the payment is stopped, but the balance in the personal account can continue to be used.
Q2: What should I do if my social security payment is suspended for more than 3 months?
A: Medical insurance needs to accumulate payment years again (some cities require a waiting period), and pension insurance years are still accumulated.
Q3: How is the most cost-effective way for freelancers to pay social security?
A: It is recommended to give priority to employee pension and medical payments, and the payment base should be 60%-300% of the local average salary.
5. Latest policy developments in 2023
1. The progress of the national medical insurance network has been accelerated, and inter-provincial transfer procedures have been simplified.
2. Guangdong, Zhejiang and other places have piloted the "social security payment deferral" policy, and unemployed people can apply for deferred payment.
3. Electronic social security cards are popularized, and online processing business coverage reaches more than 95%.
Summary: Social security treatment after resignation requires a corresponding plan according to the individual's employment plan. It is recommended that priority be given to maintaining the continuity of medical insurance. Flexible employment insurance and social security transfer are two core solutions. Timely consultation with the local social security bureau can avoid damage to your rights and interests.
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