Can the social security paid by individuals be fully refunded?

Legal analysis: it can't be refunded, nor can it be refunded in full. According to the national regulations, the endowment insurance money can only be paid cumulatively for 15 years, and then collected monthly after retirement. However, there are several situations in which the expenses in the personal account of endowment insurance can be extracted. 1, go abroad to settle down. 2. death. 3. repeat insurance. 4. When reaching the statutory retirement age, the accumulated payment is insufficient 15 years orange rent.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.

Fifteenth basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis when they reach the legal 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.