Can I go to the new rural insurance if I don't pay?

I don't want to pay the new rural insurance, and the money I paid can be refunded. If you are unwilling to pay, you can suspend your retirement. If the accumulated payment period of old-age insurance is less than 15 years, and you are unwilling to pay back, you can apply for a one-time withdrawal of personal account balance at retirement. Personal accounts cannot be refunded before retirement.

New rural insurance surrender process:

1, and issue a social security payment certificate at the social security center of the insured place;

2, with the agricultural insurance payment procedures, to the agricultural insurance office to surrender.

Insured persons need to go through the connecting procedures between the urban employee pension insurance system and the urban and rural residents pension insurance system. First, determine the place to receive benefits in accordance with the relevant provisions of the old-age insurance for urban employees, and collect the pension insurance relationship of the old-age insurance for urban employees to the place to receive benefits, and then go through the system connection procedures.

Can I get a refund if I surrender midway?

Insured persons who have not reached retirement age to participate in the old-age insurance for urban workers shall go through the formalities of surrender at the nearest social security service center with the original ID card, a copy of ID card, a letter of proof of employing employees or a detailed list of labor contracts; If the insured person dies before reaching retirement age, his relatives should provide the following documents to the nearest social security service center: death certificate issued by the hospital, cremation certificate issued by the civil affairs department and household registration cancellation certificate issued by the public security department, valid certificate of designated beneficiary or legal heir, and documents that can determine his inheritance right.

To sum up, if you pay the old-age insurance before the retirement age of 15, the state will return all the 8% pension saved in your personal account to you when you retire. The state has allocated 2 1% of the money paid by the unit for you to the national pension fund. When the money is refunded, only the money withheld by the individual is refunded, and all the money paid by the unit for him contributes to the country.

Legal basis:

Article 15 of the Social Insurance Law of People's Republic of China (PRC)

The basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age.

Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.