What should I do if I die before the social security payment reaches 15?

Legal analysis: If social security has been bought for 15 years and dies before reaching retirement age, the expenses in the personal account of endowment insurance will not be refunded, but it can be inherited. Survivors can get funeral grants and pensions. If an individual dies and meets the conditions for receiving basic old-age insurance, industrial injury insurance and unemployment insurance funeral subsidies, his survivors can only choose to receive one of them.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.