However, it should be noted that if you need to buy a house locally and your children need to go to school, the local government may have requirements for the continuous payment time of social security. Receiving unemployment benefits will lead to the termination of social security payments and affect the future.
What is the impact of receiving unemployment benefits on social security? Receiving unemployment benefits means that we have no job, and social security is aimed at on-the-job employees, so we can't pay social security during the period of receiving unemployment benefits. Even if you use flexible employment status, you can't pay fees. Does this mean that our social security will be interrupted? That's not true.
1. Medical insurance continues to be valid.
According to article 48 of the Social Insurance Law
During the period of receiving unemployment insurance benefits, the unemployed participate in the basic medical insurance for employees and enjoy the basic medical insurance benefits. The basic medical insurance premiums payable by the unemployed are paid from the unemployment insurance fund, and individuals do not pay the basic medical insurance premiums.
During the period when we receive unemployment benefits, our medical insurance is paid by the unemployment insurance fund. We can use the social security card to see a doctor and buy medicine. The medical insurance relationship will not be interrupted by receiving unemployment benefits. To put it simply, we used to have a job, and the company paid us medical insurance. Now that we are unemployed, the unemployment insurance fund pays our medical insurance in full. Our medical insurance will not be interrupted or affected during the period of receiving unemployment benefits.
2. Pension interruption
At present, some areas in China are not allowed to pay their own old-age insurance during the period of receiving unemployment benefits, even flexible employees. Only after you stop receiving unemployment benefits can you continue to pay.
According to the law, after paying the pension 15 years, you can receive the pension at retirement age. This 15 year is cumulative and does not need to be continuous, so the interruption of pension insurance for two or three months will not affect retirement pension. But it will have a little impact on the amount of pension. According to the current algorithm, it is about ten or twenty dollars.
3. Maternity insurance can be reimbursed normally.
During the period of receiving unemployment benefits, women can still claim maternity insurance, including maternity medical care and maternity allowance.
General maternity allowance = my social security payment base ÷30 (days) × holiday days. During the period of receiving unemployment benefits, the maternity allowance is three months of unemployment benefits, which varies slightly from province to city.
In addition, women have passed the period of unemployment and entered the stage of unemployment. If the husband has a formal job and pays five insurances normally, he can declare maternity insurance in his own name.
What are the conditions for receiving unemployment benefits? According to article 45 of the Social Insurance Law
Unemployed persons who meet the following conditions shall receive unemployment insurance money from the unemployment insurance fund:
(a) before unemployment, the employer and I have paid unemployment insurance premiums for one year;
(two) the employment is not interrupted because of my will;
(three) registered unemployed and have job requirements.
The above three points must be met at the same time in order to receive unemployment benefits. The most crucial point is the second point. You can't get unemployment benefits if you resign. One more thing, the original unit must stop our social security before we can declare.
What is the biggest difficulty in applying for unemployment benefits? When applying for unemployment benefits, we should pay attention to the termination or rescission of the labor contract to prove that unemployment was not interrupted by my will.
But in practice, unless it is a formal enterprise, the general enterprise will not provide this certificate. Because enterprises dismiss employees according to law, including non-renewal of contracts, layoffs, incompetence and other reasons, enterprises have to pay economic compensation to employees. If you dismiss an employee illegally, you need to pay compensation, which is twice the economic compensation.
In the proof, the enterprise needs to clarify the reasons for terminating the labor relationship with the employees. If written truthfully and without compensation, employees can apply for labor arbitration with this hard evidence. But if you don't write truthfully, you can only write that the employee resigned or had a major violation of discipline. These two situations not only hinder us from getting unemployment benefits, but also hinder our re-employment.
How long can I get unemployment benefits? According to the years of paying unemployment insurance premium before unemployment, pay unemployment insurance premium cumulatively:
1 year but less than 2 years, term 2 months but less than 5 years, longest term 12 months and less than 10 year, longest term 18 months or more 10 year and longest term 24 months. How much unemployment benefits can I get? According to article 18 of the unemployment insurance regulations
The standard of unemployment insurance benefits shall be determined by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government at a level lower than the local minimum wage and higher than the minimum living standard for urban residents.
1 month to1February is paid according to the local unemployment benefit standard, and1March to 24th is paid according to 80% of the unemployment benefit standard. For example, the unemployment benefits in Guangzhou and Shenzhen are 95% of the local minimum wage, and the standard in Shanghai is 1895 yuan/month.
Summary: If you can get unemployment benefits during unemployment, you'd better apply. Not only a sum of money, but more importantly, during the period of receiving unemployment benefits, medical insurance and maternity insurance are effective and can be used normally without interruption. However, if the old-age reimbursement is not paid, the social security will be broken.
The biggest problem in applying for unemployment benefits is that the company has issued us a certificate to prove that the company has resigned, not that I resigned. However, such proof will generally be resisted by enterprises because it will involve compensation.
Finally, I suggest that friends who are receiving unemployment benefits should not rely on unemployment benefits, work hard and look for jobs seriously. The longer you are unemployed, the harder it is to find a job.
Do you have any questions about social security? Welcome to leave a message in the comment area, and I will reply one by one.