Old-age insurance is not paid in full. What can you get when you die?

If a person who fails to pay the endowment insurance dies, he can receive the part paid by the individual.

People can take out old-age insurance when they die. If you die before retirement, you can take out the money in the old-age insurance. Only the part paid by the individual needs to provide relevant materials such as death certificate, household registration book and ID card of the deceased's immediate family. If a person dies after retirement, the old-age insurance is invalid and cannot be taken out, but his survivors can receive funeral subsidies and pensions.

After the death of social security personnel, their family members can get the following benefits:

1, to receive the accumulated balance of the personal account of the insured payer;

2. Funeral allowance: 3 times the average monthly salary of employees in this city in the previous year at the time of his death;

3. One-time pension: for those who support their relatives 1, 2/and 3/above, they shall be paid at 6 times, 9 times and 12 times of the average monthly salary of employees in the previous year respectively.

The specific uses of endowment insurance are as follows:

1, the basic old-age insurance is conducive to ensuring the reproduction of the labor force: the elderly retire, the young are employed, and the employment structure is rationalized;

2. Basic old-age insurance is conducive to social security and stability: old-age insurance provides basic living security for retirees, makes people feel safe and promotes social security and stability;

3. Basic old-age insurance is conducive to promoting economic development: the pension payment of old-age insurance is related to factors such as wage income, payment amount and payment period during the working period of employees, which can effectively motivate employees to work actively, thus promoting social and economic development;

4. Commercial endowment insurance can be used as a supplement to the basic endowment insurance: it can further improve the quality of life of the insured after retirement together with the basic endowment insurance;

5. Old-age insurance can be regarded as long-term financial management: whether it is basic old-age insurance or commercial old-age insurance, you need to pay first before you can receive pension or annuity, so it has the function of long-term financial management and savings;

6. Old-age insurance can be received for life: the basic old-age insurance can be received until the death of the insured, and after the death of the insured, funeral expenses and pensions can also be received; Commercial endowment insurance can be received until the death of the insured or the expiration of the protection period;

7. Endowment insurance has the function of asset inheritance: the pension of basic endowment insurance can be given to the legal heir of the insured. Commercial endowment insurance is death insurance.

According to the comprehensive appeal, after the social security person dies, he should prepare the endowment insurance handbook, death certificate, heir identity certificate and other materials, and go to the social insurance fund management center for refund. Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. 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:

Article 14 of the Social Insurance Law of People's Republic of China (PRC)

Personal 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.

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.