Personal social security refund process after death

The social security return process is as follows:

1, apply for death certificate;

2. application;

3. Submit relevant materials;

4. Pay the corresponding pension;

5. receive a pension.

The insured person dies before reaching the retirement age of receiving pension, and social security does not provide corresponding compensation, but the personal contributions and interest in the personal account of pension insurance are returned to the heir in one lump sum, and the pension insurance relationship is terminated.

Prepare the following materials:

1, endowment insurance manual;

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

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

4, the heir bank card passbook and a copy.

Relatives or heirs who originally participated in the insurance and paid social security contributions can enjoy the following benefits:

1, to receive the accumulated balance of the personal account of the insured payer;

2. Funeral allowance: 3 times the average monthly salary of employees in this city in the previous year at the time of his death;

3. One-time pension: for those who support their relatives 1, 2/and 3/above, they shall be paid at 6 times, 9 times and 12 times of the average monthly salary of employees in the previous year respectively.

To sum up, the family members bring the cancellation certificate of the police station, family household registration ID card, social security card of the deceased and payment certificate to the Social Security Bureau to apply for funeral expenses, pensions and personal account balance. After approval, it can be retrieved. This process is estimated to take about a month.

Legal basis:

Article 14 of the Social Insurance Law of People's Republic of China (PRC)

Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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 57

The employing unit shall, within 30 days from the date of its establishment, apply to the local social insurance agency for social insurance registration with its business license, registration certificate or unit seal. The social insurance agency shall, within fifteen days from the date of receiving the application, examine and issue the social insurance registration certificate. Where the social insurance registration items of the employing unit are changed or the employing unit is terminated according to law, it shall, within 30 days from the date of change or termination, go to the social insurance agency to handle the change or cancellation of social insurance registration. The administrative department for industry and commerce, the civil affairs department and the organization management organ shall promptly notify the social insurance agency of the establishment and termination of the employing unit, and the public security organ shall promptly notify the social insurance agency of the birth, death, household registration, transfer and cancellation of an individual.