Can the basic pension insurance for enterprise employees be refunded?

Legal analysis: Enterprise pension insurance is refundable. If you have the following circumstances, you can apply for pension insurance for retired employees: 1. You have reached the legal retirement age, but have not paid for 15 years. If the basic pension insurance for employees has not been transferred to the social pension insurance for urban and rural residents, you can go to the social security agency to apply for termination. Basic pension insurance relationship for employees; 2. Settling and living abroad, or immigrating directly; 3. If the employee dies, the pension insurance can be liquidated in one go and collected by the legal heir.

Legal basis: "Social Insurance Law of the People's Republic of China"

Article 14 Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate. Levy interest tax. If an individual dies, the balance of his or her personal account can be inherited.

Article 15 The basic pension consists of the overall pension and the personal account pension. The basic pension is determined based on the individual’s cumulative contribution years, contribution salary, average salary of local employees, personal account amount, average life expectancy of the urban population and other factors.

Article 16 Individuals participating in basic pension insurance who have made cumulative contributions for fifteen years when reaching the statutory retirement age shall receive basic pensions on a monthly basis. Individuals participating in basic pension insurance who have paid less than fifteen years of cumulative contributions when they reach the legal retirement age can pay for fifteen years and receive basic pensions on a monthly basis; they can also transfer to new rural social pension insurance or urban resident social pension insurance. , enjoy corresponding pension insurance benefits in accordance with the regulations of the State Council.