/kloc-What are the benefits of continuing to pay endowment insurance after 0/5 years?

According to the relevant provisions of the Social Insurance Law of People's Republic of China (PRC), it can be divided into two situations:

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 individual 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.

Basic endowment insurance

Tenth employees should participate in the basic old-age insurance, and employers and employees should pay the basic old-age insurance premium.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium.

The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.

Eleventh basic old-age insurance to implement the combination of social pooling and 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 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.

Refer to the above? Baidu Encyclopedia-People's Republic of China (PRC) Social Insurance Law