Can the social security money be refunded? Don't want to pay

Legal analysis: under normal circumstances, social security can not be refunded. After retirement, you can only receive social security benefits with your ID card and social security card. Of course, there are also some cases where fees can be refunded, such as:

1. Double insurance: China's social security system is divided into two categories: social security for urban workers and social security for urban and rural residents. The two social security benefits cannot be enjoyed repeatedly, and the insured only needs to pay one of them. However, some friends who go out to work have already participated in the social security for urban and rural residents in their hometown, and then the unit has paid the employee social security for them. At this time, there was a situation of repeated participation in insurance. Because the unit must pay employee social security for employees, this situation is generally to stop paying social security for urban and rural residents, and those who pay repeatedly can apply for a refund.

2. The insured person goes abroad to settle down: if the insured person goes abroad to settle down, he can apply for cancellation of his personal social security account and return the balance of his personal account at one time. I would like to remind you that if you just go abroad to work, you can keep your social security personal account. If you return to China in the future, the social security payment period can continue to accumulate; If you want to pay social security in China, you need to check the relevant regulations in Ministry of Human Resources and Social Security.

3. Death of the insured person: If the insured person dies before reaching the statutory retirement age after participating in social security, the personal social security account of the insured person can be inherited, and the heir of the insured person can return all the funds in the personal account to the Social Security Bureau at one time with his death certificate and other relevant information.

4. The insured reaches the statutory retirement age, but the pension insurance payment is insufficient 15 years: in this case, you can also apply for a social security refund, that is, give up the pension insurance. However, this is generally not recommended. Endowment insurance is very important to us. According to the current regulations, we can get a pension after paying a total of 15 years of pension. Therefore, if the cumulative payment period at retirement is only a few years away from 15, then I suggest that you extend the payment and make up the remaining unpaid years, so that you can enjoy the pension benefits.

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.

Fifteenth 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.