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<div id="y0skw0w" class="left_meta clearfix entry-meta"> <time datetime="{$article.time_date}" class="entry-date"> <strong>15</strong> <small>2018-04</small> </time> </div> </div> <h1>社保為啥不能中斷？五險怎么轉？</h1> <div id="myck0sk" class="article-publish"> 作者：<a href="http://onliving.cn/">輕松保</a> <em>|</em> 發(fā)布時(shí)間：<small>2018-04-15</small> <em>|</em> 閱讀次數：<small>58519</small> </div> <div id="cw0ismo" class="clearfix"></div> </div> <article class="article-info p-t-30 p-b-30"> <p> “外地人買(mǎi)房買(mǎi)車(chē)得繳社保滿(mǎn)5年，中間斷了不算數”，“社保斷了，將來(lái)養老保險都受影響”……對于社保中斷的影響，流傳著(zhù)各種說(shuō)法。由于有些人工作暫時(shí)中斷、中途去上學(xué)、自己創(chuàng )業(yè)等原因，社保難免會(huì )中斷。那么，到底會(huì )對個(gè)人造成哪些影響？有無(wú)補救措施？ </p> <br /> <p> <br /> </p> <p> <strong>為什么不能讓社保斷了？</strong> </p> <p> 首先，在大城市的人都知道連續上社保有多重要。比如在北京，如果你是外地戶(hù)口，只有連續上滿(mǎn)5年的社保才能在北京買(mǎi)車(chē)搖號和買(mǎi)房，這里的社保只包括五險。只要中間斷一天，五年就要重新計算了。 </p> <p> 其次，養老保險得交夠15年，退休了才能享受終身。醫療保險也如此，我國的基本醫療保險實(shí)行“現收現付”制，也就是說(shuō)不管參保者曾連續繳費多少年，一旦中斷繳費，斷保期間將不再享受醫療保險待遇，醫療費用不能報銷(xiāo)；女交滿(mǎn)20年、男交滿(mǎn)25年，退休了才能享受終身?？墒亲畈粍澦愕氖?，交了卻不夠年限。這里要解釋一下的是，養老和醫療都是可以累積的，斷了也能續上。 </p> <p> 其他的保險斷了倒沒(méi)有太大影響，失業(yè)保險、生育保險、住房公積金這三樣，只要在用之前交夠1年就行，工傷保險即交即用。 </p> <p> 另外，北京市的養老保險實(shí)行“多繳多得”原則，由于社保中斷期間不計入工齡，中斷時(shí)間越長(cháng)、繳費金額越少，最后領(lǐng)取的養老金也越少。 </p> <p> 這里要補充一點(diǎn)，社保是強制繳納的，也就是你在單位上一天班就得交一天社保，所以上班期間交哪個(gè)、不交哪個(gè)其實(shí)沒(méi)有選擇的余地。 </p> <p> <br /> </p> <p> <strong>說(shuō)說(shuō)斷了怎么辦的事</strong> </p> <p> 如果你是沖著(zhù)買(mǎi)房買(mǎi)車(chē)，一定要注意：千萬(wàn)別斷，哪怕斷一個(gè)月，按照北京的規定，補繳沒(méi)戲，五年從頭算。不少換工作的朋友會(huì )面臨這樣的問(wèn)題，工作斷檔沒(méi)人幫你交，務(wù)必提前找個(gè)中介過(guò)渡一下，網(wǎng)上有不少幫著(zhù)交社保的中介公司，按照最低基數繳納即可。 </p> <p> <strong>如果你是沖著(zhù)享受終身養老醫療去的，注意以下幾點(diǎn)：</strong> </p> <p> <strong>一、養老和醫療保險的年限都是可以積累的，如果中斷，交夠年限就可以。</strong>如果到了退休年齡，還是不夠最低繳費年限，北京戶(hù)口可以辦理延期繳費，外地戶(hù)口交夠10年才能辦理延期繳費，不夠10年的就只能轉回戶(hù)口所在地續交了。 </p> <p> <strong>二、醫保斷了，醫保待遇從下個(gè)月起就停了，重新交還是可以報銷(xiāo)的。</strong>萬(wàn)一斷繳，醫?？〞?huì )有2到3個(gè)月的恢復期，在這2到3個(gè)月只能手工報銷(xiāo)，就不能醫?？ㄗ詣?dòng)報銷(xiāo)了。還有的地方規定如果斷繳超過(guò)2個(gè)月，會(huì )有6個(gè)月的等待期，這6個(gè)月中你是不能報銷(xiāo)的。 </p> <p> <strong>三、辦理<a href="http://onliving.cn">社保代繳</a>業(yè)務(wù)，要先將檔案調到當地人才。</strong>具體流程為：持個(gè)人身份證、戶(hù)口簿到人才交流服務(wù)中心開(kāi)取調函——持調函到單位將檔案取出——持借記卡（規定銀行）、個(gè)人檔案等相關(guān)資料到人才交流服務(wù)中心辦理相關(guān)手續。屆時(shí)只要自己每個(gè)月將足夠的保險金額存入該借記卡即可，其中包含醫療保險、養老保險和失業(yè)保險三項。人才交流服務(wù)中心收取按每月收取檔案保管費。 </p> <p> <br /> </p> <p> <strong>關(guān)于社保異地轉移需要記住這些</strong> </p> <p> 如果之前在北京，現在又想回老家工作，社保要不要轉移？當然要續上，務(wù)必辦轉移！ </p> <p> 現在很多人離開(kāi)北上廣，都放棄了之前繳納的社保，覺(jué)得沒(méi)什么用，回去以后再重新繳納。如果你從25歲到40歲，在北京已經(jīng)上了15年的社保， 40歲回到家沒(méi)有轉移社保，回老家重新上的，你連醫療保險的繳費年限都夠不上，到時(shí)候可就連退休金和終身的醫療保險待遇都沒(méi)有了，之前辛辛苦苦上了那么多年的社保豈不就虧大了。 </p> <p> <strong>五險怎么轉？哪些沒(méi)必要轉？</strong> </p> <p> 在原單位和北京的社保中心開(kāi)具參保繳費憑證，帶到你老家的社保機構，如果在老家已經(jīng)有單位，直接交給單位辦理就可以了。 </p> <p> 其中，養老保險你個(gè)人的部分可以全部轉走，單位繳納的可以轉移12%。醫療保險可以轉移你的繳費年限，個(gè)人的部分就把它取出來(lái)自用。失業(yè)、工傷、生育險一般就不需要轉了，去新單位直接上就行了。 </p> <p> <br /> </p> <p> <strong>公積金怎么轉？</strong> </p> <p> 需要去老家的公積金管理中心開(kāi)具“新單位接收證明”、“當地公積金中心的建立賬戶(hù)證明”、“當地公積金中心的銀行賬戶(hù)開(kāi)戶(hù)行名稱(chēng)”這三樣材料，到原單位辦理賬戶(hù)轉移。如果不轉移，這邊就給你封存了，退休后可以取出。 </p> <div id="kymw0qy" class="post-bottom-info"><p> <strong><span style="font-size:16px;">輕松保</span></strong>專(zhuān)業(yè)從事<a href="http://onliving.cn" target="_blank">個(gè)人人事外包</a>，<a href="http://onliving.cn" target="_blank">公司人事外包</a>，企業(yè)五險一金代辦，幫您實(shí)現足不出戶(hù)繳社保的愿望！<a href="http://onliving.cn" target="_blank">人事外包</a>，就上輕松保。在輕松保繳納社保，可與單位繳納社保享受同等待遇。獲取更多社保代理幫助請掃碼關(guān)注我們的微信公眾號，更多深度資訊政策解讀等你來(lái)。 </p> <div align="center"> <img alt="輕松保" src="https://youhro.com/upload/attached/image/20180531/20180531170233_31530.jpg" title="輕松保" width="180" height="180" /> </div></div> </article> <div id="cya0cmm" class="text-center p-b-30"> <div id="gea8mom" class="pagenavi"> <span id="ak0awey" 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