Social security has been paid for 15 years. What if someone dies?

If the insured dies after 15 years of social security payment, the money in the insured will be collected by his family or legal heir. But what needs to be known is that the balance in the insured's personal account can be fully refunded, but it is not important that the balance in the overall account is the heir. We usually pay the basic old-age insurance, part of which is in the personal account and part of which is in the overall account. The overall account accounts for 65% of your total payment, and the personal account only accounts for 35%, so most of the money is in the overall account. If the insured dies, this pooling account will not be inherited by the heir. For example, if we pay 654.38+million yuan of endowment insurance over the years, then 35000 yuan will be in our own account and 65000 yuan will be in the overall account. When the insured dies, the heir only inherits the insured's personal account of 35,000 yuan. The main function of the overall account is to issue basic pensions to these retirees who have gone through retirement procedures on a monthly basis and serve as the main account for issuing pensions. So the heir can only inherit the personal balance. In addition to personal balance inheritance, some subsidies are funeral pensions, which is about ten months' salary of the insured's basic retirement salary. The policies in each region are different. In some places, it may only last for three to six months, and the longest period may not exceed 10 months. If your local average retirement salary is 3500, you can pay 10 month's salary as funeral pension, which is 35438+00 months.

Legal basis: Article 17 of the Social Insurance Law of People's Republic of China (PRC).

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.