How to surrender and get back the principal

According to the relevant laws and regulations, the money in the social security personal account cannot be withdrawn in advance. If you have already paid social security, you can't surrender. We can only move and merge with the transfer of work place, and handle the transfer or connection of endowment insurance relationship.

Even if you can't afford or don't want to pay social security, you can't return it. However, under some special circumstances, you can still refund the money, but only the part you paid in your personal account. If the conditions for surrender are met, the money can be taken out at one time.

Condition 1: repeated insurance. For example, if you leave your job without pay in the original unit, the unit has already paid social security for yourself. After you work in the new unit, you are also paying social security. If two units pay social security at the same time, it belongs to repeated insurance. You can't enjoy the treatment at the same time, and the duplicate part needs to be returned. Generally, this kind of situation is difficult to happen.

Condition two, reaching retirement age, but social security has not been paid 15 years, and is unwilling to make up the difference at one time. Then you can apply to the relevant department, and the relevant department will refund the personal part you paid to you in one lump sum.

Condition 3: Go abroad or settle abroad. Dual nationality is not recognized. Therefore, when you immigrate, you need to apply to terminate the employee's basic endowment insurance relationship, and the money in the account will be refunded in one lump sum.

Condition 4: The insured dies. For those who have already paid social security, if they die unexpectedly, the balance in the account will be inherited, and the heirs can apply to the social security agency for surrender, and they can also enjoy pensions and funeral subsidies.

I. The processing flow of social security refund is as follows:

1, units or individuals bring information to the local taxation bureau and apply for tax refund in the tax service hall;

2, the tax service counter after the preliminary examination, print the "social insurance fee refund application form", "social insurance fee refund list" returned to the insured units or individuals as acceptance documents;

3, the local tax authorities to verify the refund, and the labor department for examination and issuance of benefits;

4. Refund.

Second, the refund materials

1, the social insurance fee refund application approval form in triplicate;

2, the social security fee refund personal insurance list in duplicate;

3, payment book, the first printed bank payment receipt or bank passbook or transfer tax payment certificate;

4. Copy of the account opening certificate of the unit refund account; Personal refund account passbook (or debit card);

5. Individual industrial and commercial households provide legal person ID cards and photocopies for refund;

6, payment unit (individual) written application;

7. If it is not handled by me, the original and photocopy of the ID card of the handler and the power of attorney signed by the client shall also be provided;

8, other information required by the local tax authorities.