How much can I get if I die without paying social security? How to refund the fee after the death of the insured?

1. How much can I get if I don't pay social security?

If a person has not paid social security, how much money can he get when he dies? It depends on two things:

1. If it is paid in the company, the individual will pay 8% every month, and all of it will go into the personal account. Now the company pays 16% every month, and all of it goes into the overall account. When an employee dies, the money in the personal account can be inherited according to law, and the money is paid to the legal heir in one lump sum. But the money in the overall account cannot be inherited. Can I return it?

2. If the insured person is an individual, it is also the money in the personal account that can be refunded. For those who participate in employee pension insurance as individuals, the payment ratio is 20%, of which 8% goes into individual account and 02% goes into overall account.

In other words, 40% of the insured person's monthly payment goes into the personal account, and the last one can be refunded, that is, 40% of the insured person's total payment. In addition, if it is included in the overall account, 60% of the money will not be refunded, and it will be used to pay the pensions of other long-lived retirees, which embodies the principle of social insurance mutual aid and risk sharing. Therefore, health and longevity are the last word, and whoever lives for a long time is more cost-effective.

Although only the money in the personal account can be returned, the family members can also receive two other sums of money, the first one is a pension, and the next day is a funeral subsidy. Of course, the standards of pensions and funeral subsidies vary from place to place. For example, the funeral subsidy in Beijing is a one-time payment of 5,000 yuan.

Second, how to refund the fee after the death of the insured?

1, prepare materials

(1) endowment insurance manual;

(2) The original and photocopy of the medical certificate of death or cremation certificate of the insured, or the certificate of cancellation of household registration (the time of death should be indicated);

(3) The original and photocopy of the heir's ID card;

(4) the passbook of the heir's bank card and its copy. 2. Go through the formalities. Prepare materials, the endowment medical insurance fund management center prints the approval form for one-time surrender of personal accounts, and goes to the endowment medical insurance fund management center for handling.