How much can I get back from the retirement pension insurance?

Can the endowment insurance be refunded? how much is it? Under what circumstances can the old-age insurance be refunded?

Endowment insurance is of little use at first, but it will be known after retirement. Endowment insurance will definitely bring better quality to people's lives. With retirement wages, there is basically no need to worry, so can the old-age insurance be refunded?

1. Under what circumstances can the old-age insurance be refunded?

If you want to return the endowment insurance, but there are conditions, it includes the following points:

1. The insured dies.

After the death of the insured, the insured can return the money in the account and collect it by the legal heir, regardless of whether he has paid the pension insurance for a certain period of time.

2. Statutory retirement age.

According to the legal retirement age, men are 60 and women are 55. After reaching retirement age, the old-age insurance has not been paid 15 years, and the insured is unwilling to pay before retirement. At this time, he can apply to the social security agency for surrender.

3. Immigration.

China social security does not recognize its endowment insurance as having foreign nationality. If it is only temporary placement, you can still continue to receive old-age insurance. If you are an immigrant, you can apply for surrender in advance and then apply to the social security agency.

Second, how to surrender the endowment insurance?

The insured person or legal heir to the social security handling center, with relevant materials to apply;

Materials provided in the application for surrender: identity certificate of the insured, household registration book, certificate, description of the application for surrender, account number, etc.

After receiving the materials, the social security agency will conduct an audit to see if the facts are consistent with the materials. If yes, it means that the applicant has passed the application. After that, the applicant can receive the pension insurance with the social security certificate.

3. How much can the old-age insurance be refunded?

There will be two accounts in the payment account of endowment insurance, one is the overall account, and the money in this account is the source of funds for the insured after retirement; The other part of the money is personal account. Note that the money in an individual account is far less than that in an overall account.

When you apply for retirement insurance, it happens that the money in your personal account is returned, and the money you can recover is not much or very little, thousands or hundreds, depending on the payment time and grade.

Therefore, if there are no special circumstances, don't surrender. For example, if the insured dies and surrenders, for example, the payment period is not enough to surrender, in fact, the loss of the rights and interests of the insured is still quite large.

Can the old-age insurance be refunded? how much is it?

Under normal circumstances, the money in the personal account of endowment insurance cannot be refunded, but it can also be refunded if certain conditions are met.

Pension insurance refund conditions:

1. Death at work means that the insured person dies at work, and the basic old-age insurance relationship will be terminated and the balance of his personal account will be handed over to his successor according to law.

2. If the nationality changes after leaving the country to settle down, and the insured person has left the country to settle down and change his nationality before reaching the conditions for receiving the old-age insurance, he may apply in writing to terminate the employee's old-age insurance, and go directly to the household registration book issued by the government department of his place of residence to go through the formalities of moving in and cancellation page. At this time, the personal payment principal and interest during the enterprise payment period will be returned.

3. Repeated payment of endowment insurance. If the payment of flexible employees and the payment of employers are repeated, the part paid by flexible employees may be refunded. If the bank withholding and payment are duplicated by the enterprise, the part paid by the enterprise can be refunded.

How much can I get back from the retirement pension insurance?

Ways and procedures of surrender: If an individual who participates in the basic old-age insurance for employees has paid less than 15 years after reaching the statutory retirement age and has not transferred to the new rural social endowment insurance or urban residents' social endowment insurance, the individual may apply in writing to terminate the basic old-age insurance relationship for employees. After receiving the application, the social insurance agency shall inform it in writing of its right to transfer to the new rural social endowment insurance or urban residents' social endowment insurance and the consequences of terminating the basic endowment insurance relationship for employees. After my written confirmation, I will terminate the employee's basic old-age insurance relationship and pay me the amount stored in my personal account in one lump sum.

Surrender amount: the total amount stored in the individual pension insurance account.

Legal basis: According to Article 15 of the Social Insurance Law of People's Republic of China (PRC), endowment insurance 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.

Article 3 of the Detailed Rules for the Implementation of the Social Insurance Law of People's Republic of China (PRC), if an individual who participates in the basic old-age insurance for employees reaches the statutory retirement age and the accumulated payment is less than 15 years, he can apply for the new rural social endowment insurance or urban residents' social endowment insurance where his household registration is located and enjoy the corresponding old-age insurance benefits.

Can the old-age insurance be refunded? How come?

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Can I get a refund after paying social security for two years? How much can I get?

1. How much can I get back if I want to surrender after paying for two years?

About 20% of the premium will be refunded;

It is normal to surrender the insurance after two years of payment, so the insurance company will refund the cash value at this time, which will be much less than the premium, mainly because the insurance company will deduct the salesman's commission and various operating expenses generated during the underwriting period from the premium.

Generally speaking, the cash value table is attached to the insurance contract, which corresponds to the cash value of the policy every year. You can also look it up in the cash value table.

Second, how to refund the insurance that has been paid for two years?

When handling the surrender procedures, you can choose online surrender or offline surrender according to your own needs.

1. Online surrender: Generally speaking, products purchased online can only be surrendered online. For example, people will buy products from third-party economic platforms or insurance company official website, so when we surrender, we can also surrender on these platforms. Just log in to the relevant platform, and then contact online customer service, and follow the instructions of online customer service for surrender.

2. Offline surrender: If we want to surrender offline, we need to apply for surrender orally first, and then prepare the materials needed for surrender. After the materials are fully prepared, they will be submitted to the insurance company for review. After that, the insurance company will confirm the premium, and then wait patiently for the refund to be recorded.

3. When can I get my insurance back after paying for two years?

For insurance that has been paid for two years, the question of when the money can be refunded is generally related to the way of surrender, because online surrender will be more efficient than offline surrender, so for online surrender business, the surrender fee will basically arrive in 1~3 working days.

For the case of online surrender procedures, it usually takes 3~5 working days to receive the surrender money, and in most cases it can be received within 7 working days.

There are many factors that affect the payment of surrender premium, such as the complexity of the situation, whether the premium refund is controversial, whether there is a holiday, etc. Therefore, it is based on the actual payment time.

Can I return the old-age insurance if I don't pay it? how much is it?

Surrender usually has the following two situations:

registered rural residence

If you choose to settle your personal account of endowment insurance when you leave your job, you can return the accumulated amount of your personal account to yourself at one time, and the payment record will be cleared, and the payment period will be recalculated according to the new insurance.

permanent urban residence certificate

Under normal circumstances, it cannot be liquidated. Only the following three special circumstances can be liquidated:

1, who has reached the statutory retirement age, but has not reached the accumulated payment 15 years, can apply for a one-time liquidation of the accumulated amount of the individual account of endowment insurance and return it to himself.

2. Unfortunately died before retirement, and the accumulated amount of personal account of endowment insurance can be liquidated at one time. This part can be inherited, that is, received by the legal heir.

3. If a person dies after retirement, the amount of his personal account has not been collected, and the balance can be liquidated at one time and collected by the legal heir.