What should I do if I pay social security and agricultural insurance? Can I get a refund?

Endowment insurance cannot be refunded, but it can be credited to social security.

Legal analysis

Although we all know the importance of paying social insurance, but because social insurance includes medical insurance, old-age insurance and other types of insurance, it can protect our daily life in a very large range, so that we can avoid all kinds of worries.

Personal recommendation

But no one can guarantee that his work will be smooth and he can retire, so when he leaves his job or loses his job, the payment of social security may be interrupted, and the interruption of social security will have a certain impact on our security. At this time, someone will transfer the original employee insurance to flexible employment or urban and rural residents insurance. In fact, urban and rural residents' insurance and employee insurance do not conflict and can be merged.

Old-age insurance is not paid 15 years. Can I retire normally?

In this case, there are three ways to operate:

(1) Payment: All provinces and cities in China have issued relevant payment regulations in light of local conditions. You can consult the local people's social security bureau and make up the pension insurance rate 15 in combination with the relevant regulations of the local people's social security bureau, so that you can enjoy the retirement pension insurance benefits.

Supplementary pension or one-time supplementary pension is the best choice. After all, the endowment insurance for urban workers has been paid for many years, and it is paid monthly according to local conditions. /kloc-After 0/5 years, you can receive a monthly pension for urban workers.

(2) Conversion: According to Article 16 of the Insurance Law of People's Republic of China (PRC), individuals who participate in the basic old-age insurance and pay less than 15 years at the statutory retirement age can be transferred to the new rural social old-age insurance or urban residents' social old-age insurance, and enjoy the corresponding old-age insurance benefits according to the regulations of the State Council.

This choice is the best policy. After all, whether it is urban residents or rural social pension, the monthly pension amount is far less than the employee pension insurance, so don't transfer it unless you have to.

(3) Collection: If you don't want to postpone payment or handle transfer, you can submit a written application to the social insurance agency to terminate the employee's basic old-age insurance relationship and pay the pension stored in your personal account to me in one lump sum.

This is the worst policy, because the employee's basic old-age insurance relationship is terminated, we can only receive the pension stored in the personal account, and the part paid by the unit cannot be received.