换工作后社保怎么办

在当今社会，工作变动是常见的现象。然而，换工作后社保的处理问题却常常让人们感到困惑。那么，当我们换工作后，社保究竟应该如何处理呢？

首先，如果是在本地换工作，新公司通常会直接为您办理社保相关事宜。但为了避免社保断缴，建议您最好在当月 15 号以后离职，并在下个月 15 号前入职新公司。这样，中间的过渡时间可以相对较短，减少社保断缴的风险。

其次，如果是换城市工作，之前交的社保并不会清零。在您退休之前，办理社保转移，合并之前交的社保即可。需要注意的是，养老保险、医疗保险以及公积金的缴费时间和金额都是可以累积计算的。比如养老保险，目前统一规定累计交满 15 年，退休之后就可以领取养老金。但随着社会发展，未来延长最低缴费年限也是有可能的。

对于那些离职之后没有找到新工作的情况，如果您是本地人，可以选择到社保局进行社保缴纳，交的是 3 险。如果您是外地人，没有找到新工作，由于北京社保政策的规定，不能去社保局办理，这时候可以找类似于人人保社保代缴平台进行挂靠，按照最低基数进行缴纳就行。

另外，具有本市城镇户籍、在法定劳动年龄内从事个体劳动或者自由职业，并在市、区(县)劳动保障部门开办的职业介绍服务中心、人事部门开办的人才交流服务中心和市社会保险经办机构委托的社会保险代理机构以个人名义存档的人员，作为灵活就业人员，可以按照规定参加职工基本医疗保险。灵活就业人员按照本办法参加基本医疗保险的，以上年本市职工月平均工资的 70%为缴费基数，按 7%的比例缴纳基本医疗保险费。

总之，换工作后社保的处理方式需要根据个人的具体情况来选择。无论如何，都要重视社保的连续性，以保障自己的权益。

How to Deal with Social Security after Changing Jobs

In today's society, job changes are a common phenomenon. However, the handling of social security after changing jobs often confuses people. So, when we change jobs, how should we deal with social security exactly?

Firstly, if you change jobs within the same city, the new company will usually handle the relevant social security matters for you directly. But to avoid the interruption of social security payment, it is recommended that you leave your current job after the 15th of the month and join the new company before the 15th of the next month. In this way, the transition period in the middle can be relatively short, reducing the risk of social security interruption.

Secondly, if you change jobs in a different city, the social security you paid before will not be cleared. Before your retirement, you can handle the transfer of social security and combine the previously paid social security. It should be noted that the payment time and amount of endowment insurance, medical insurance, and provident fund can all be accumulated and calculated. For example, for endowment insurance, it is currently uniformly stipulated that after accumulating 15 years of payment, you can receive a pension after retirement. However, with social development, it is possible that the minimum payment period will be extended in the future.

For those who have not found a new job after leaving their previous one, if you are a local resident, you can choose to go to the social security bureau to pay social security, and you will pay for 3 types of insurance. If you are a non-local resident and have not found a new job, due to the regulations of the social security policy in Beijing, you cannot go to the social security bureau for processing. At this time, you can find a social security agency platform like Renrenbao for affiliation and pay according to the minimum base.

In addition, those with urban household registration in the city, engaged in individual labor or freelance work within the legal working age, and filed in the career introduction service center opened by the labor security department of the city and district (county), the talent exchange service center opened by the personnel department, and the social insurance agency entrusted by the municipal social insurance agency in their own names, as flexible employees, can participate in the basic medical insurance for employees according to the regulations. Flexible employees participating in the basic medical insurance in accordance with this method shall take 70% of the average monthly salary of employees in the city in the previous year as the payment base and pay the basic medical insurance fee at a rate of 7%.

In conclusion, the way to handle social security after changing jobs needs to be selected based on your specific situation. In any case, attach importance to the continuity of social security to protect your rights and interests.