15 failed to pay social security. Can a person return it when he is dead?

According to the relevant laws and regulations of our country, social security is divided into basic endowment insurance pooling fund and individual account. If the basic old-age insurance fails to pay for fifteen years and dies, its personal account can be inherited, but the part of the overall fund cannot be returned.

Legal basis: Article 12 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the employer shall pay the basic old-age insurance premium according to the proportion stipulated by the state and the total wages of its employees, which shall be credited to the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 14 of the Social Insurance Law of People's Republic of China (PRC) stipulates that individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.

Article 16 of the Social Insurance Law of People's Republic of China (PRC) stipulates that individuals who have participated in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.