If you die under the age of 60, will the old-age insurance be refunded?

Residents' pension insurance died before the age of 60. Can I get a refund?

According to the laws of our country, if the insured of resident pension insurance dies due to accident or illness before reaching the legal retirement age (generally 60 years old), the pension insurance in personal account will not be automatically refunded. However, according to the relevant provisions of the law, there may be some special circumstances that can be refunded. The specific refund process and conditions need to refer to the policies and regulations of the local social insurance management department.

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I. Background of the problem

Recently, the issue of whether residents' pension insurance can be refunded before the age of 60 has aroused widespread concern. In China, the residents' old-age insurance is an important social security system, but in the case of death before the statutory retirement age, whether the insurance money can be refunded has become the focus of attention.

Second, the legal basis

According to the provisions of Article 21 of the Social Insurance Law of People's Republic of China (PRC): "After the insured participates in the basic old-age insurance for urban workers and the basic old-age insurance for urban and rural residents, he can withdraw the old-age insurance expenses stored in his personal account under any of the following circumstances:

(a) died before the statutory retirement age;

(two) due to serious illness, medical care for children before serious illness, medical care for special diseases, maternity, unemployment and other special reasons;

(three) other circumstances that need to be extracted. "

Third, the specific conditions under special circumstances.

1. Death before the statutory retirement age: If the insured dies before the statutory retirement age, the pension insurance in his personal account can be withdrawn by his legal heir.

2. Suffering from serious illness, medical care for children before serious illness, medical care for special diseases, childbirth, unemployment and other special reasons: under these special circumstances, you can also withdraw pension insurance money from your personal account, but it must comply with relevant regulations and provide relevant certification materials.

Fourth, the extraction process

1. Withdrawal application: the legal heir or the insured person who meets special conditions applies to the local social insurance management department for withdrawal of pension insurance.

2. Provide relevant certificates: according to different extraction conditions, you need to provide death certificates, medical certificates and other relevant documents.

3. Examination and handling: the social insurance administrative department examines the withdrawal application and relevant certificates, and handles the withdrawal procedures if it meets the requirements.

4. Receiving pension insurance: Once approved, the legal heir or eligible insured can receive pension insurance in personal account.

To sum up:

According to the laws of our country, if the insured person of the residents' old-age insurance dies before the statutory retirement age, the old-age insurance money in the personal account will not be automatically refunded. But if you die before the statutory retirement age or encounter special circumstances, you can withdraw the old-age insurance money from your personal account. The extraction process needs to apply to the social insurance management department and provide relevant supporting documents, which can only be obtained after approval.

Legal basis:

Article 21 of the Social Insurance Law of People's Republic of China (PRC) stipulates: "After the insured person participates in the basic old-age insurance for urban workers and the basic old-age insurance for urban and rural residents, if his personal account has one of the following circumstances, he can withdraw the old-age insurance expenses stored in his personal account: (1) He died before the statutory retirement age; (two) due to serious illness, medical care for children before serious illness, medical care for special diseases, maternity, unemployment and other special reasons; (3) Other circumstances that need to be extracted. "