How to get a refund if you don't pay your social security

The conditions and process of refunding money when social security is not paid are as follows:

1. Conditions for social security refund: Usually, social security refund needs to fulfill specific conditions, such as going abroad for settlement, reaching the retirement age but with insufficient years of contribution, etc.

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2. The process of social security refund: Individuals need to apply for a refund to the social security administration organization and provide appropriate supporting documents, such as a certificate of leaving the job, a certificate of leaving the country, etc.

The impact of social security refund:

Pension planning: after the refund of social security, individuals need to plan their own pension funds. You can consider purchasing commercial pension insurance products or accumulating pension funds through other investment channels. At the same time, it is also possible to formulate a pension plan in advance, including the arrangement of pension life and the budget of pension expenses.

Medical insurance: After social security is returned, individuals will no longer enjoy medical insurance benefits. Therefore, individuals need to consider purchasing commercial medical insurance or protect their medical needs through other means. In addition, it is also possible to focus on a healthy lifestyle to prevent diseases and reduce medical expenses.

In summary, after social security payments have ceased, individuals can apply for a refund of the funds in their personal accounts, but the portion paid by the enterprise will not be refunded.

Legal basis:

The People's Republic of China*** and the State Social Insurance Law

Article 14

Individual accounts may not be withdrawn in advance, and the interest rate of the account shall not be lower than the interest rate of the bank's fixed-term deposits, and shall be exempt from interest tax. If an individual dies, the balance of the individual account may be inherited.