离职跳槽后五险一金要怎么处理 对你的五险一金留点神-看世界

离职跳槽后五险一金要怎么处理 对你的五险一金留点神

工作中很多人都会经历离职、跳槽的情况,但是小编要提醒大家,在离职、跳槽的过程中,可要对你的五险一金留点神,这可都是咱花真金白银买下的呢!下面和360常识网一起来看看吧。

工作中很多人都会经历离职、跳槽的情况,但是小编要提醒大家,在离职、跳槽的过程中,可要对你的五险一金留点神,这可都是咱花真金白银买下的呢!下面和360常识网一起来看看吧。

Many people will experience resignation and job hopping at work, but the editor should remind you that in the process of resignation and job hopping, you should keep a little mind on your five risks and one gold, which we bought with real money and silver! Let's have a look with 360 common sense.

养老保险

endowment insurance

养老保险是可以中断的,中间中断无所谓,最后是累计年限的,不过交得越多,当然养老金也越多拉。

Pension insurance can be interrupted. It doesn't matter if it is interrupted in the middle. In the end, it is accumulated years. However, the more you pay, the more your pension will be.

办理转移手续:原公司打出转移单,交给新公司继续上就行。

Handle transfer procedures: the original company will issue a transfer form and hand it over to the new company to continue.

失业保险

unemployment insurance

虽然必须要交,但和我们没有多大关系。如果你是学校毕业的,属于干部身份,档案可以存人才市场。断不断不要紧,我们失业了也领不到失业金,除非发疯了,把干部身份转为工人身份,以后退休按工人待遇领退休金。失业保险只有在街道登记的失业者才能申请。注意:工人身份的档案放在街道,干部身份的放在人才或单位

Although it has to be paid, it has nothing to do with us. If you graduated from school and belong to cadre status, the files can be saved in the talent market. Never mind. We can't get unemployment benefits even if we lose our jobs. Unless we go mad, we will transfer our cadre status to worker status, and then we will retire and receive a pension according to the treatment of workers. Unemployment insurance can only be applied for by unemployed people registered in the streets. Note: the file of worker's identity should be placed on the street, and the file of cadre's identity should be placed on talents or units.

办理转移手续:不用办理,到新单位继续上就行。

Handle transfer procedures: do not need to handle, go to the new unit on the line.

医疗保险比较重要

Medical insurance is more important

这个大家可要注意了!国家规定是中断三个月以上就失效,也就是说看病得自己掏钱了。小病无所谓,大病就惨了。中断三个月以上的要到新单位重头购买。

You should pay attention to this! The national regulation is that the interruption will be invalid for more than three months, that is to say, you have to pay for your own medical treatment. It doesn't matter whether you have a minor illness or a serious one. Those who have been interrupted for more than three months shall purchase again in the new unit.

上医保后,大家都会有一个存折,终身使用,不管单位是否变化,单位应该每月把一定比例的钱打入存折,个人可以随时提取,不管用来做什么。

After going to the medical insurance, everyone will have a passbook, which can be used for life. No matter whether the unit changes or not, the unit should put a certain proportion of money into the passbook every month. Individuals can withdraw it at any time, no matter what they do.

缴纳医疗保险后,还会有一个蓝本,就是医疗本。医疗规定门诊费用2000元以上部分才可以报销,比如花了2500,只报销500的50%-70%(医院不同,报销比例不同),如果住院报得就多了。看病的时候要告诉医院开医保的单子,住院要带上。

After paying medical insurance, there will be a blueprint, that is, medical insurance. According to the medical regulations, the outpatient expenses of more than 2000 yuan can be reimbursed. If 2500 yuan is spent, only 50% - 70% of 500 yuan will be reimbursed (different hospitals, different reimbursement rates). If the inpatients report too much. When you see a doctor, you should tell the hospital to open the medical insurance list and bring it with you when you are in hospital.

公积金

Accumulation fund

单位把给你的钱和你自己的钱都存到你的公积金帐户。比如工资3000元,单位给你300,你自己扣除300,所以你每月公积金帐户应该有600元。需要买房或修房时,可以去公积金中心取出,但一年只能取一次。可以自取或委托单位取。

The unit will give you the money and your own money are deposited in your provident fund account. For example, if the salary is 3000 yuan, the unit will give you 300 yuan, and you will deduct 300 yuan by yourself, so your monthly accumulation fund account should have 600 yuan. When you need to buy or repair a house, you can go to the provident fund center to withdraw it, but only once a year. It can be obtained by itself or by the entrusting company.

办理转移手续:先在新单位开帐号,拿帐号给老单位,让老单位把原来帐号的钱转入新帐号。

Handle 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.

注意:公积金中心每年六月会给单位发每个员工的对帐单,显示你的帐户现在的钱。

Note: the provident fund center will issue a statement to each employee every June, showing the current amount of money in your account.

每年四月左右是调整下半年养老、失业、医疗保险基数的时间,每年六月是调整下半年公积金的时间。

Every April or so is the time to adjust the pension, unemployment and medical insurance base in the second half of the year, and every June is the time to adjust the accumulation fund in the second half of the year.

下面再说说现在市场上一些不规范的情况

Now let's talk about some irregularities in the market

1、很多单位不按本人工资给上保险和公积金,比如按北京市平均工资上,个人就吃亏了。所以找工作的时候要问清楚。

1. Many units do not pay their own wages to the insurance and provident fund, for example, according to the average wage in Beijing, the individual will suffer losses. So when you're looking for a job, you need to ask.

2、现在很多人才市场都规定养老、失业和大病是捆绑的,要么都不上,要么一起上,而且必须档案在人才市场的才给上。

2. At present, many talent markets stipulate that pension, unemployment and serious illness are tied up, either not or together, and must be filed in the talent market.

如果个人在人才市场缴纳五险一金,就必须自己把单位的钱和个人的钱都交了,挺多的。据说按最低标准,每月也得交一千多,而且没有多少钱到个人帐户上。

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, which is quite a lot. It is said that according to the minimum standard, more than 1000 yuan will have to be paid each month, and there is not much money to be paid to the individual account.

如果比较年轻,身体还好,只是暂时失业,就不必自己交了,以后到单位再上吧。

If you are young and in good health, but you are temporarily unemployed, you don't have to pay it by yourself. You can go to work later.

3、有钱人可以不上养老保险,穷人最好上,指望能有点钱养老。有人说自己存着,但国家对养老金还是有所保障的,会根据经济情况上调。

3. The rich can't afford endowment insurance, the poor are better off, hoping to have some money for the aged. Some people say they have it, but the state still has a pension guarantee, which will be raised according to the economic situation.

4、有些单位以档案不在本单位为理由,不给交五险一金,这是不符合规定的,因为档案和保险不挂钩。

4. Some units do not pay five insurances and one fund for the reason that the files are not in their own units, which is not in line with the regulations, because the files are not linked to the insurance.

5、外地户口同样享受所有的保险和公积金,和户口没关系。以后如果去其他城市,都是可以转的。

5. Foreign account also enjoy all the insurance and provident fund, and account has nothing to do with it. If you go to other cities in the future, you can transfer.

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