Many people will experience resignation and job hopping at work, but Xiaobian should remind you that in the process of resignation and job hopping, you should pay attention to your five insurances and one gold, which we bought with real money and silver! Let's take a look with this website.
endowment insurance
Pension insurance can be interrupted. It doesn't matter if it is interrupted in the middle. Finally, it is accumulated years, but the more you pay, of course, the more your pension is.
Handle the transfer procedures: the original company prints out the transfer form and gives it to the new company to continue.
unemployment insurance
Although it must be handed in, it has little to do with us. If you are a cadre, you can keep the identity of a cadre in the market. It doesn't matter if we don't stop. If we lose our jobs, we won't get unemployment benefits, unless we go crazy, change our cadre status to worker status, and get a pension according to the worker's treatment after retirement. Unemployment insurance can only be applied for by unemployed people registered on the street. Note: the files of workers' identity are placed in the street, and those of cadres' identity are placed in talents or units.
Go through the transfer procedures: don't go through it. Just go to the new unit.
Medical insurance is more important
You should pay attention to this! The national regulation is that it will be invalid if it is interrupted for more than three months, that is to say, you have to pay for medical treatment yourself. Minor illness doesn't matter, serious illness is miserable. Those who have been interrupted for more than three months should buy again in the new unit.
After medical insurance, everyone will have a passbook for life-long use. No matter whether the unit changes or not, the unit should put a certain proportion of money into the passbook every month, and individuals can withdraw it at any time, no matter what it is used for.
After paying medical insurance, there will be a blueprint, that is, medical insurance. According to the medical regulations, the part of outpatient expenses above 2000 yuan can be reimbursed. For example, if it costs 2500, only 50% - 70% of 500 can be reimbursed (different hospitals have different reimbursement ratios). If it is hospitalized, it will be more reported. When you see a doctor, you should tell the hospital to open a medical insurance list and take it with you when you are hospitalized.
accumulation fund
The unit will deposit the money given to you and your own money into your provident fund account. For example, the salary is 3000 yuan, the unit gives you 300, and you deduct 300 yourself, so your monthly provident fund account should have 600 yuan. When you need to buy or repair a house, you can take it out of the provident fund center, but you can only take it out once a year. It can be taken by itself or by the entrusted company.
Handle the transfer procedures: first open an account in the new unit, take the account to the old unit, and let the old unit transfer the money from the original account to the new account.
Note: the provident fund center will send each employee's statement to the unit every June, showing the current money in your account.
Around April every year is the time to adjust the pension, unemployment and medical insurance base in the second half of the year, and June every year is the time to adjust the provident fund in the second half of the year.
Now let's talk about some non-standard situations in the market
1. Many units do not provide insurance and provident fund according to their own salary. For example, according to the average salary in Beijing, individuals suffer losses. So ask clearly when looking for a job.
2. Now, many talent markets stipulate that pension, unemployment and serious illness are bundled, either not or together, and they must be filed in the talent market.
If an individual pays five insurances and one fund in the talent market, he must pay both the unit's money and the individual's money. It's quite a lot. It is said that according to the minimum standard, you have to pay more than 1000 yuan a month, and there is not much money to your personal account.
If you are young and in good health, but temporarily unemployed, you don't have to pay it yourself. Go to the unit later.
3. The rich can not get old-age insurance, and the poor are better off, hoping to have some money for old-age insurance. Some people say they save, but the state still guarantees the pension, which will be increased according to the economic situation.
4. Some units refuse to pay five insurances and one fund on the grounds that the archives are not in their own unit, which is not in line with the regulations, because the archives are not linked with insurance.
5. Foreign Hukou also enjoys all insurance and provident fund, which has nothing to do with hukou. If you go to other cities in the future, you can transfer.