Can I apply for a refund if I stop paying social security?

If you no longer want to continue paying social security and want to apply for a refund, you can do so only under the following specific conditions:

1. You have gone abroad and settled down, and your account has been canceled. At this point you can apply to withdraw the money in your personal account.

2. You have passed away before retirement and your account has been canceled in the public security organs. The accumulated amount in the individual account of the pension insurance can be liquidated out at once, and the balance of this individual account is inheritable, i.e., it will be received by the legal heirs.

3. There is a duplication of contributions. Mainly refers to the flexible employment personnel contributions and enterprise contributions duplicated when the refund is the flexible employment personnel contributions; there is a bank deduction contributions and enterprise contributions duplicated, the refund of duplicated is the part of the enterprise contributions; and institutions contributions and flexible employment personnel contribution information duplicated, the refund of duplicated is the part of the flexible employment personnel contributions.

4. Reaching the legal retirement age, but not reached the cumulative contributions for 15 years, and do not transfer to the urban and rural residents pension. At this time, you can apply for a one-time liquidation of the accumulated amount of pension insurance personal account returned to me. But note that the part of the unit contribution is not refundable, and only pension insurance can be refunded.

5. Died after retirement. The amount of his personal account has not been collected and can be collected by his legal heirs.

When it comes to social security refunds, only the amount in the individual account can be refunded, not the part of the integrated account. In the case of flexibly employed people, the individual needs to pay 20 percent, of which 12 percent is allocated to the integrated account and 8 percent to the personal account. However, only 8% of the amount in the individual account can be refunded when the insurance is surrendered.

If you meet the above conditions, you need to go to the social security bureau to apply for a refund first, and you can apply for a refund once you have passed the examination.

The specific requirements for each of the above conditions may vary from region to region, so it is recommended to pay attention to the changes in local policies or contact your local social security office directly for more information.