Half of the five insurances have been paid. What if someone dies?

Legal analysis: 1. If half of the social security is paid, the money in the personal account can still be taken back and paid to the legal heirs (spouse, children, etc.). After the death of the insured, it will be paid in one lump sum, but the part paid by the company will belong to the overall planning system.

2. The Interim Measures for the Management of Personal Accounts of Employees' Basic Endowment Insurance stipulates that if an employee dies during his/her employment and there is a balance in his/her personal account, the individual payment principal and interest in the balance can be inherited. When an employee dies during his/her service, the amount of his/her inheritance is the principal and interest of personal contributions in the total amount of personal accounts at the time of his/her death. The amount of the estate shall be paid to the beneficiary or legal heir designated by the deceased before his death.

3. Article 38 of the Social Insurance Law of People's Republic of China (PRC): In case of work-related death, the funeral allowance, dependent relatives' pension and work-related death allowance received by the survivors shall be paid by the industrial injury insurance fund in accordance with state regulations.

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Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their 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.