If your employer fails to pay or underpays social insurance, lodge an administrative complaint for retroactive back-payments; if resigning over unpaid insurance, specify the statutory violation in your resignation notice to secure statutory severance

If an employer fails to pay social insurance or pays under an illegally reduced wage base, you can lodge a labor complaint mandating back-payments plus daily late fees. You can also terminate your labor contract in writing and demand statutory severance (N). Your resignation notice must explicitly cite the employer's failure to pay statutory social security; resigning for "personal reasons" forfeits all severance. Agreements where employees "voluntarily waive social insurance" are legally null and void.

Zero financial fee. Audit contribution history via municipal social security apps and save official statement PDFs. To compel back-payments, file an administrative complaint via the 12333 hotline or local labor inspection offices. To claim statutory severance, initiate labor arbitration (free of charge, 45-day statutory timeline). The difficulty is securing subsequent employment income before resigning.

The Social Insurance Law mandates that employers register, declare, and pay full social insurance contributions on time, prohibiting delays, reductions, or exemptions absent statutory force majeure. If an employer infringes social security rights, employees can demand administrative enforcement from social insurance administrative authorities or collection agencies. Unpaid contributions trigger mandatory cure orders, plus daily late surcharges of 0.05% (5/10,000) from the date of default; failure to rectify within statutory deadlines incurs fines between 1 and 3 times the overdue amount. Labor security inspection bureaus are mandated to conclude investigations within 60 working days (extendable by 30 days for complex matters). Under Article 38 of the Labor Contract Law, if an employer fails to pay social insurance premiums according to law, the employee may terminate the labor contract immediately, and the employer must pay statutory economic compensation (severance). Conversely, resigning with 30 days' advance notice for personal reasons entitles you to zero severance; the written notice must explicitly cite statutory non-compliance. Supreme People's Court judicial interpretations effective September 2025 affirm: agreements between employers and employees waiving social security contributions, or unilateral employee waiver pledges, are legally null and void. Lawsuits demanding statutory severance based on employer social security delinquency shall be supported. If an employer fails to establish social insurance and the social insurance agency cannot process retroactive contributions, causing loss of insurance benefits, employees can sue the employer for consequential damages in labor arbitration.

To compel historical back-payments, utilize administrative labor inspection complaints rather than arbitration: judicial consensus holds that direct orders for social security back-payments fall under administrative jurisdiction. Act within statutory enforcement deadlines: labor violations not reported within 2 years are barred from investigation, though ongoing contribution arrears calculate the 2-year window from the date defaults terminate. Underreporting contribution wage bases triggers varying judicial standards: Beijing courts recognize non-compliance only where zero accounts were established in the preceding year or entire statutory insurance tiers were omitted; consult local arbitration tribunals. If an employer previously paid cash allowances in lieu of insurance and subsequently completes retroactive social security payments, it can claw back cash allowances. Workplace injuries occurring without statutory work injury insurance are covered in Chapter 19, Rule 13. Bridging social security lapses is covered in Chapter 7, Rule 18.

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