I should retire on 20 17 and pay one more year's pension insurance on 20 18. How can I get a refund?

Pension insurance paid for more than one year is not refundable.

Before reaching the age of receiving old-age insurance benefits, the basic old-age insurance relationship shall not be terminated, and the procedures for surrender shall be handled. There are only three situations in which endowment insurance can be returned: the insured goes abroad, the insured reaches retirement age, and the insured dies abnormally.

Although the expenses paid by endowment insurance are composed of individual account (endowment insurance premium paid by employees) and overall account (endowment insurance premium paid by employees), the extracted insurance premium can only be collected from individual account, and the amount of collection depends on the time period and grade of payment.

Article 11 of the Social Insurance Law stipulates that the basic old-age insurance combines social pooling with individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 14 stipulates that individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.

Extended data:

Article 15 of the Social Insurance Law stipulates that 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.

Information required for pension withdrawal: you can apply to the local social security bureau according to your actual situation. The application procedures include my ID card, application for surrender, payment of social security information (pension book, medical insurance card) and other materials. And only pension and medical insurance.

When you meet the conditions for receiving benefits, you can receive old-age insurance. Refers to a sum of money that employees can maintain their own living security when they permanently lose their ability to work due to old age, physical weakness, industrial accidents and other reasons. However, to receive this self, you should generally receive it when the time stipulated by law arrives.

Under normal circumstances, rural hukou can be applied for, and urban hukou can only be transferred. However, it should be noted that the expenses paid by the endowment insurance are managed by two accounts, namely, the individual account paid by the individual employee and the overall account paid by the unit for the employee.

If you withdraw your pension, you can only receive the amount paid by individuals in your personal account. Most of the money is in the master account. Originally, there was not much money in the personal account, and only a part of it could be taken out of the personal account, even less, usually ranging from several thousand yuan to several hundred yuan, depending on the payment time period and payment grade.

According to the old-age insurance documents, if the payment is not continued after the deferred payment or the accumulated payment period is still less than 15 years, you can apply to transfer to the new rural social old-age insurance or urban residents' social old-age insurance and enjoy the corresponding old-age insurance benefits.

Unwilling to extend the payment to 15 years or transfer to the new rural social endowment insurance or urban residents' social endowment insurance, you can apply for a one-time payment of personal account storage.

Baidu Encyclopedia-Social Insurance Law

Baidu encyclopedia-endowment insurance