After paying social security for 3 years, can I return it if I don't want to return it?

After paying social security for three years, under normal circumstances, social security cannot be refunded.

Only qualified products can be returned, as follows:

1. In other places, you can apply for a refund of individual contributions after leaving your job, but those paid by the unit cannot be refunded;

2. You can't surrender halfway, and you can only retire after death, going abroad to settle down or insufficient payment 15 years; Individuals can retire, but units can't;

3. If the social security is paid in full, one-third of it can be refunded, and the rest belongs to the unit and cannot be refunded. General social security payment methods can be divided into unit payment or individual payment. Social insurance usually paid in the name of an individual. There can only be two parts of social security: endowment insurance and medical insurance. The social security paid by the unit can get more benefits, such as the unit can help individuals pay endowment insurance, housing provident fund, work injury insurance, medical insurance and so on. The payment base is the basis for the insured to pay in proportion. For the company, the payment base is the total salary of all employees in the company.

Only three types of people can apply for social security refund:

1, has reached retirement age, and social security has not been paid 15 years.

If you want to receive a pension, you must not only reach the legal retirement age, but also pay social security 15 years. If you have reached retirement age and the social security has not been paid for 15 years, you can choose to postpone retirement and continue to pay. After paying 15 years, you can get a pension after retirement.

You can also choose to convert employee social security into urban and rural social security. Although the social security benefits will be reduced, you can still receive a pension in the future.

If you want to give up social security, you can apply for a social security refund, but you can only return the balance in your personal account. The money in the overall account cannot be refunded, and neither can the money paid by medical insurance.

2. Repeatedly participate in a number of social security.

Some people have already paid social security for the residents in their hometown and the employees in their work units, which means that they cannot enjoy multiple social security benefits.

Repeated insurance, the payment period and treatment can not be combined into one, hospitalization can only be reimbursed with one medical insurance, and the pension will not increase after retirement, only more money will be paid.

But the social security paid repeatedly can be refunded now. If it is repeated insurance, it must be handled in time. It is suggested to give priority to employee social security.

3. The death of the insured

If the insured dies unfortunately before retirement, all the principal and interest in the personal account of endowment insurance will be returned to the family members. If he dies after retirement, his family can inherit the balance in his personal account or choose to return it.

Legal basis: Article 14 of the Social Insurance Law of People's Republic of China (PRC).

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.