How much is the social security refund for death before retirement?

If you die before the retirement age, the personal part and interest paid by the pension can be returned in full.

If the insured person dies before retirement, the specific amount of social security refund will vary according to the balance in the insured person's personal social security account and the number of years of payment of endowment insurance. Generally speaking, the individual contribution part of the amount or balance of the personal account of the deceased who has not retired is paid to the beneficiary or legal heir designated by the deceased in one lump sum. After the death of an employee, the endowment insurance can be surrendered, and the following documents are required:

1, original and photocopy of death certificate and cremation certificate;

2, the insured units or individuals to fill in the endowment insurance personal account storage amount inheritance or refund application form;

3, the endowment insurance certificate issued by the insured unit;

4. The death inheritance certificate issued by the community where the deceased is located shall be stamped by the police station where the community is located after verifying the situation;

5. The original and photocopy of the ID card, household registration book and marriage certificate of the deceased and his heirs.

The balance of the employee's death personal account plus interest is all regarded as inheritance, which is inherited by the heir or beneficiary. You also need to go through the following related procedures:

1, the certificate issued by the unit and the certificate of cancellation of the police station account;

Provide "death certificate" (issued by hospital or public security department);

3. Provide the original and photocopy of the payee's ID card (the payee must be the legal heir of the deceased), the original and photocopy of the relationship certificate with the deceased, the household registration book, the marriage certificate or the certificate issued by the public security department;

4. Provide the payee's bank account and account number (personal settlement account opened by Agricultural Bank of China);

5. Relatives of retired dead persons go to the Insurance Relations Section of the Municipal Social Insurance Bureau to receive the "Registration Form for Death of Urban Retirees" and apply.

To sum up, in case of death before retirement, the amount of social security refund needs to be determined according to factors such as personal account balance and years of payment of endowment insurance.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 14

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 17

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.