If you die before the age of 60, you will not be able to receive the money.

The question of whether you can get money if you die before the age of 60 actually involves the relevant provisions of the pension insurance system. In our country, pension insurance is a social insurance system set up to ensure that workers can enjoy basic livelihood security after reaching the legal retirement age. However, in the case of a participant who dies before reaching the statutory retirement age, the handling of his or her pension insurance benefits will vary according to the specific circumstances.

First of all, we need to make it clear that pension benefits are not available only after reaching the statutory retirement age. In fact, in the event of a participant's death, the balance in his or her individual pension insurance account can be inherited by his or her legal heirs. In addition, according to the provisions of the pension insurance system, the pension insurance premiums paid by the participant before his death will also be refunded at a certain percentage.

Specifically, if a participant dies before reaching the legal retirement age, the balance in his or her individual pension insurance account will be treated as his or her inheritance and will be inherited by his or her legal heirs in accordance with legal procedures. At the same time, the participant's organization or social security agency will also liquidate and dispose of the pension insurance premiums paid before the participant's death in accordance with relevant regulations.

It should be noted that the pension insurance systems of different regions may differ, and the specific treatment may also be different. Therefore, in practice, participants or their legal successors are advised to consult the local social security organizations or professional lawyers for timely advice in order to better understand the relevant policies and regulations.

In summary:

It is not true that you can't get money if you die before the age of 60. In fact, the legal heirs of a participant can inherit the balance in his or her pension insurance personal account, and the participating organizations or social security agencies will also liquidate and deal with the pension insurance premiums paid by the participant before his or her death. The exact processing may vary from region to region, so it is recommended to consult the local social security organization or a professional lawyer for more accurate information.

Legal basis:

The Social Insurance Law of the People's Republic of China

Article 14 stipulates:

Individual accounts may not be withdrawn in advance, and the interest rate of the account shall not be lower than the interest rate of the bank's fixed-term deposits, and shall be exempt from interest tax. In the event of an individual's death, the balance of the individual account may be inherited.

The Inheritance Law of the People's Republic of China

Article 3 stipulates:

Inheritance is the personal lawful property left behind by a citizen at the time of his or her death, including: the citizen's income; the citizen's house, savings, and daily necessities; the citizen's forests, livestock, and poultry; the citizen's cultural relics and library materials; the means of production that are permitted by law for the citizen's ownership; the citizen's copyrights, patents in the property rights; and other lawful rights and interests of citizens.