Individuals can buy the pension insurance refund how to refund

Individuals paying pension insurance can be refunded, but the withdrawal of insurance should be analyzed on a case-by-case basis, if it is a rural household, when leaving the pension insurance account can be withdrawn from all the balance of the individual, but in the future to participate in the pension insurance, can only be dealt with according to the new enrollees, the urban household to withdraw the pension insurance premiums, unless it is retired, settled abroad or to the legal age of retirement.

I, personal payment of pension insurance can be refunded?

Pension insurance can be withdrawn, to the local social security to pay pension insurance premiums, withdrawal of insurance usually have the following two cases:

1, rural households, if you choose to leave the pension insurance personal account liquidation, you can accumulate the amount of personal account personal contributions and interest on a one-time return to me, while the contribution record is zeroed out, and later on, according to the new enrollment processing, the number of years of contributions to recalculate.

2, urban account in general can not be liquidated out. Only the following four special cases can be liquidated:

1) up to the statutory retirement age, did not reach a cumulative contribution of 15 years, you can apply for a one-time liquidation of the cumulative amount of the individual account of the pension insurance returned to me.

② If you die before retirement, the accumulated amount of your individual pension account can be liquidated in one lump sum. This portion can be inherited, i.e. received by the legal heirs.

③ If you die before retirement and the amount in your individual account is not fully collected, the balance can be liquidated in a lump sum and received by your legal heirs.

④ Those who have settled abroad and lost their Chinese nationality.

2. What are the characteristics of pension insurance?

1. Compulsory, the state through legislation, mandatory employers and individual workers must participate in pension insurance in accordance with the law, to fulfill the rights and obligations conferred by the law, pay pension insurance premiums, and when the workers reach the legal retirement age, they can receive the basic pension from the social insurance department, enjoy the basic pension insurance treatment, and protect the basic life after retirement.

2. Mutual aid, the source of old-age insurance premiums generally by the state, enterprises or units, individuals, the three parties **** the same burden, and at a higher level and a larger scope of the realization of old-age insurance premiums of the social integration and mutual aid. Universality everyone has old age years, which is a necessary stage of life. The problem of old age is not only a social problem, but also a global problem, which has a bearing on the economic and civilized development of a country or society, and requires us to pay sufficient attention to it. Because of the wide scope of the implementation of old-age insurance, the insured person to enjoy the benefits of a long period of time, the cost of income and expenditure on a huge scale, therefore, must be set up by the Government of the specialized agencies, unified legislation, unified rules, unified management and unified organization and implementation of the whole society.

3, universality, the difference between institutional retirement and enterprise retirement employers and individuals how to participate in pension insurance according to the "Interim Regulations on the Collection and Payment of Social Insurance Premiums", the employer should be within 30 days of the date of establishment, with a business license or registration certificate and other relevant documents, to the local social insurance agency to apply for social insurance registration. The social insurance agency will issue the social insurance registration document after examination.

Pension insurance is still very important to citizens, it is not recommended to withdraw from the process of paying pension insurance, because pension insurance does not require continuous payment, the cumulative contribution of 15 years can enjoy the pension insurance benefits.

Legal basis

The Chinese People's **** and the State Insurance Law

Article 16 Conclusion of an insurance contract, the insurer inquires about the subject matter of the insurance or the relevant circumstances of the insured, the policyholder shall truthfully inform.

If the policyholder intentionally or through gross negligence fails to fulfill the obligation of truthful disclosure as stipulated in the preceding paragraph, which is sufficient to affect the insurer's decision on whether or not to agree to underwrite the insurance policy or to increase the premium rate, the insurer has the right to terminate the contract.

The right to terminate the contract as stipulated in the preceding paragraph shall be extinguished if it is not exercised for more than thirty days from the date when the insurer becomes aware of the cause of termination. If more than two years have passed since the date of establishment of the contract, the insurer shall not terminate the contract; in case of an insurance accident, the insurer shall bear the responsibility of compensating or paying the insurance premiums.

If the policyholder intentionally fails to fulfill the obligation of truthful disclosure, the insurer shall not be liable to compensate or pay the insurance premiums for the insurance accidents that occurred before the termination of the contract and shall not refund the insurance premiums.

If the policyholder fails to fulfill the obligation of truthful disclosure due to gross negligence, which has a serious impact on the occurrence of the insurance accident, the insurer shall not be liable to compensate or pay the insurance premiums for the insurance accidents that occurred before the termination of the contract, but the insurance premiums shall be refunded.

The insurer shall not terminate the contract if the insurer already knows that the policyholder has not informed truthfully at the time of the conclusion of the contract; in case of an insurance accident, the insurer shall bear the responsibility of compensation or payment of insurance premiums.

An insurance accident is an accident within the scope of insurance liability agreed in the insurance contract.