I paid the old-age insurance for 15 years and died before I reached retirement age.

Social security has been paid for 15 years, but you can retire before you reach retirement age.

1, one is that the insured dies before reaching the pension age. Social security has no corresponding compensation for those who die before retirement. Only the personal contribution and interest in the personal account of the endowment insurance will be returned to the heir at one time, and the endowment insurance relationship will be terminated at the same time; Medical expenses before death can be reimbursed according to regulations. Bring the death certificate and social security card issued by the local police station and apply for a social security refund at the social security bureau of the insured place.

2, just a few months, or died before receiving a pension; There are also cases where the insured has moved abroad to stop participating in the insurance. In case of death after retirement, the individual contributions and interest balance in the personal account of endowment insurance (minus the part received in the past) will be returned to the heir at one time, and the pension insurance relationship will be terminated at the same time.

You can apply for funeral expenses and pensions. Whether you pay all the expenses yourself or not. (individual contributions are also paid by the unit, and the social security of the unit is coordinated. Surrender only returns the payment part in the personal account.

What benefits can family members apply for when the insured dies?

After the death of the insured, his family members or legal heirs can have three kinds of treatment: personal account principal and interest, funeral expenses and pension.

Third, how to pay these benefits?

If the insured person dies after retirement or resignation, and the amount stored in his personal account has not been collected or used up, the balance of individual contributions can be sent to the designated beneficiary or legal heir, and the part transferred from unit contributions to personal accounts will be included in the social pooling fund.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

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.