Five risks resign. Can I return it?

There are strict conditions for the refund of Wuxian's resignation, and the refund can only be made under the following circumstances:

1, foreign rural household registration: you can apply for a refund of individual contributions after leaving your job, but the part paid by the unit cannot be refunded;

2. If the social security fee is paid in full, it can only be refunded by one third, and the remaining two thirds are paid by the unit and cannot be refunded;

3. The housing provident fund in the five insurances and one gold can be fully refunded, that is, all the funds paid by me and the company can be refunded;

4. The insured reaches retirement age and fails to pay the fee for 15 years;

5, due to repeated insurance and termination of labor relations;

6. The insured settled abroad and died;

7. Unemployment insurance, maternity insurance and industrial injury insurance cannot be refunded.

The treatment of five insurances and one fund after leaving the company is as follows:

1. endowment insurance: the payment period is interrupted and the accumulation of personal accounts stops. But as long as it does not affect the future for a long time, individuals will pay in full, that is, they will pay the part they paid in the past together with the enterprise without interruption. If you apply for a job in other places, you can go through the insurance transfer procedures and get employment in a new employment area;

2. Medical insurance: there are also personal accounts. After resignation, it is basically the same as pension insurance, and the money in personal accounts can continue to be used locally;

3. Work injury insurance, unemployment insurance and maternity insurance all have no personal accounts, and the insurance will be automatically lifted after resignation. However, as long as you have paid unemployment insurance for one year and the unemployment is not caused by personal reasons, you can get it;

4, housing provident fund, there are personal accounts, and the fees paid by enterprises and individuals form the total amount of personal accounts, just like the bank's zero deposit and lump sum withdrawal for all ownership individuals.

After resignation is interrupted, social security can be paid under the following circumstances:

1, urban and rural residents' old-age insurance payment is insufficient 15. When they reach the age of 60, they can pay in one lump sum and go through the pension collection procedures;

2. The enterprise fails to pay social security for employees in full and on time. In this case, employees can apply for labor arbitration and ask enterprises to pay social security for themselves;

3. After leaving the job, the social security payment shall not exceed 3 months, and social security payment is allowed in general areas. When paying social security, that is, in the last three months, it may be more troublesome for more than six months, so after paying social security, you must pay it in time, otherwise the consequences will be very serious.

To sum up, in the end, I can only get part of the money I paid, and the part paid by the unit is confiscated and cannot be refunded.

Legal basis:

Article 64 of People's Republic of China (PRC) Social Insurance Law

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.