Under what circumstances can I surrender my old-age insurance?

1. If the insured emigrates overseas during the insurance payment period, he can surrender his insurance. 2. If the insured person dies during the insured period, the personal account pension can be refunded. 3. If the insured reaches the legal retirement age, but the payment is less than 15 years, and he chooses not to continue to pay, he can apply for surrender. In addition to the above three situations, under normal circumstances, it is impossible to surrender after insurance.

When going through the formalities of surrender and refund, the following information shall be provided:

Employee pension insurance handbook, original and photocopy of employee death certificate, original and photocopy of cremation certificate, original and photocopy of household registration book, and original and photocopy of ID card. The original and photocopy of the household registration book and ID card of the employee's legal heir or designated beneficiary, the proof of relationship with the deceased, and the beneficiary's application for refund.

Old-age insurance, the full name of social basic old-age insurance, is a social insurance system established by the state and society in accordance with certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state and terminate their labor obligations or quit their jobs because of old age.

Workers must meet three conditions to receive the basic pension every month:

1, has reached the statutory retirement age and has gone through retirement procedures; 2, units and individuals to participate in old-age insurance and fulfill the obligation to pay old-age insurance premiums; 3. The individual payment is at least 15 years (the payment period in the transition period includes the deemed payment period).