Can residents' pension insurance be refunded?

Those who meet the conditions can surrender, and those who meet the following conditions can surrender their old-age insurance for residents:

1. If the insured dies, his immediate family members, such as the parents, spouse and children of the insured, may apply for surrender;

2. The insured goes abroad to settle down;

3. The insured is insured repeatedly. For example, he has participated in both urban and rural residents' pension insurance and urban workers' pension insurance, so the insured person can choose to return one of them. After all, even if you participate in two kinds of old-age insurance at the same time, you can only receive one of them after retirement.

4. The insured person's household registration is changed from rural household registration to non-rural household registration;

5. The registered permanent residence of the insured person has moved in, but the endowment insurance system for urban and rural residents has not been established in the place where the insured person moved in;

6. The insured person has reached the statutory retirement age, but the accumulated payment period is less than 15 years, which does not meet the payment conditions or does not want to pay back.

Information needed for retirement of endowment insurance

1, endowment insurance manual;

2, "the old-age insurance surrender application form" in duplicate;

3. Original and photocopy of the insured's ID card;

4. If you want to surrender your insurance because you have settled abroad, you need to prepare the original and photocopy of the proof materials for settling abroad.

5. If you want to surrender your insurance because of the death of the insured, you need a death certificate issued by the public security department.

As can be seen from the above, the insured of urban and rural residents' endowment insurance can apply for surrender if they go abroad to settle down, participate in other social endowment insurance or die.

Legal basis:

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

Article 11

The basic old-age insurance combines social pooling with individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 12

The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 13

Before employees of state-owned enterprises and institutions participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.

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.