Does the social security transfer have a big impact?

First of all, social security can only transfer three risks: medical insurance, endowment insurance and unemployment insurance. The remaining maternity insurance and industrial injury insurance cannot be transferred.

Therefore, social security does not turn, which mainly affects medical reimbursement and pension benefits.

(1) affect medical reimbursement.

Medical insurance is divided into two categories, employee medical insurance and resident medical insurance. Let's take Beijing as an example:

Article picture 4

It can be seen that although employee medical insurance is more expensive, the comprehensive reimbursement treatment is better than resident medical insurance.

When you change to work in a city, if you don't transfer medical insurance, the biggest impact is employee medical insurance, which has two main effects:

Can't enjoy lifelong medical insurance treatment: At present, there is no national network for medical insurance, and many places pay for it. If you want to accumulate social security payment years, you must transfer. Otherwise, if you want to enjoy lifelong medical insurance reimbursement, you have to pay for a few more years.

The balance of the medical insurance card may not be used: for example, I used to work in Chengdu and later went to Guangzhou. Although the money in the medical insurance card will not be cleared, if it is not transferred, the personal account balance of Chengdu Medical Insurance cannot be used in Guangzhou.

I also want to remind everyone here that the transfer of medical insurance can only be transferred from employee medical insurance to employee medical insurance. Residents' medical insurance is equivalent to paying short-term medical insurance for one year, and they can't enjoy lifelong medical insurance benefits and can't go through the transfer procedures.

(2) affecting pension benefits.

As we all know, the pension insurance before retirement should be paid at least 15 years.

However, because social security has not been connected to the whole country, social security paid in many places may not reach the cumulative payment period without transfer, and it will not be possible to retire at that time.

2. You don't need to transfer to social security to work in other places.

Earlier, we talked about the impact of not transferring to social security, but it should be noted that if you go to work in other places, you don't have to transfer to social security immediately. Generally only friends who are about to retire, we suggest transferring to social security as soon as possible.

If you are wandering around at present, it is possible to continue to develop in other cities. Don't worry: it's not too late to apply for social security transfer when the final retirement location is determined.