How can I get a refund if I don't want to pay my personal pension?

Individuals who are unwilling to continue to pay personal pensions may apply to the pension insurance company or bank for surrender, and go through relevant formalities according to the regulations.

According to the Social Insurance Law of People's Republic of China (PRC), individual pension is a kind of social insurance, and individuals can choose whether to pay it voluntarily. If an individual decides not to pay his personal pension, he may apply to the pension insurance company or bank for surrender, and go through the relevant formalities in accordance with the regulations.

If an individual wants to return his personal pension, he can follow the following steps:

1. Understand the surrender policy: Before surrendering, you need to know the specific policies and regulations of surrender, including the surrender conditions and the calculation method of surrender amount.

2. Prepare relevant materials: prepare relevant surrender materials, such as ID cards, social security cards and payment vouchers. According to the requirements of local social security departments or pension insurance companies.

3. Submit an application for surrender: Bring relevant information to the local social security department or pension insurance company to submit an application for surrender.

4. Handling surrender procedures: according to the requirements of social security departments or pension insurance companies, complete relevant surrender procedures, such as filling out surrender application forms and reviewing materials.

5. Receiving the surrender money: After going through the surrender formalities, receiving the refunded personal pension according to the regulations of the social security department or the endowment insurance company.

It should be noted that the surrender policies and procedures in different regions may be different, so the specific operation shall be subject to the provisions of the local social security department or pension insurance company.

To sum up, if an individual no longer wants to pay his personal pension, he can apply to the pension insurance company or bank for surrender, and go through the relevant formalities in accordance with the regulations. Before surrendering, you need to know the relevant policies and regulations, prepare the relevant materials, and complete the surrender procedures according to the requirements of the local social security department or pension insurance company.

Legal basis:

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

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory 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.