Can the old-age insurance be refunded?

Endowment insurance can be refunded, but only personal part can be refunded after surrender. You can apply to the local social security bureau according to your actual situation. The procedures include my ID card, application for surrender, social security pension payment book, medical insurance card and other materials. And only retirement pension and medical insurance. However, it should be noted that the fees paid by social security are managed in two accounts, namely individual account and overall account. If you take it out, you can only get the amount in your personal account. However, most of the money went into the general 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, generally ranging from tens of yuan to hundreds of yuan, depending on the time period and grade of payment.

The endowment insurance premium paid to local social security usually has the following two situations:

1, rural hukou

If you choose to settle your personal account of endowment insurance when you leave your job, you can return the personal payment part and interest accumulated in your personal account to me at one time, and the payment record will be cleared at the same time, and the payment period will be recalculated according to the new insurance.

2. Urban hukou,

3. Generally, it can't be liquidated. Only the following three special circumstances can be liquidated:

4. If the statutory retirement age has not reached the cumulative payment 15 years, you can apply for a one-time liquidation of the accumulated amount of personal accounts of endowment insurance and return it to yourself.

5. If he dies before retirement, the accumulated amount of personal account of endowment insurance can be liquidated in one lump sum. This part can be inherited, that is, received by the legal heir.

6. If a person dies after retirement, the amount of his personal account has not been collected, and the balance can be liquidated at one time and collected by the legal heir.

Endowment insurance can be interrupted. Individuals who participate in endowment insurance can receive a monthly pension when they reach the statutory retirement age and the accumulated payment period reaches 15 years. As long as the pension has been paid for 15 years, you can receive the pension after retirement. There is no requirement on whether the payment period is continuous, so the old-age insurance can be interrupted, and as long as it adds up to 15 years, you can receive the pension.

To sum up, generally speaking, individual endowment insurance cannot be refunded. You can only retire under the following special circumstances: if you reach the statutory retirement age and the accumulated payment period has not reached 15, you can apply for a one-time settlement of the accumulated amount in the personal account of endowment insurance and return it to them. If he dies before retirement, the accumulated amount of personal account of endowment insurance can be settled in one lump sum. This part can be inherited, which is required by the legal heir. If he dies after retirement, the amount of his personal account has not been recovered, and the balance can be settled in one lump sum and collected by the legal heir.

Legal basis:

Article 14 of the Social Insurance Law of People's Republic of China (PRC) * * * Personal account 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.