Is the balance of the pension account paid by yourself?

The balance of endowment insurance refers to the part paid by individuals. The part paid by the unit enters the overall account, and the individual can't find it or take it out. The balance of endowment insurance refers to the payment included in personal account and the interest generated according to the bookkeeping interest rate of personal account announced by the state, both of which are included in personal account, which is called the balance of personal account of endowment insurance.

First, the social pooling pension insurance can be refunded, but the conditions are very harsh. The following are several conditions for handling endowment insurance for reference only:

1, reaching retirement age, not meeting the payment conditions 15 years (full payment of personal account deposit);

2. The insured dies for some reason;

3. The insured goes abroad to settle down;

4. Death after retirement, personal account balance.

In addition, rural hukou can also withdraw the old-age insurance money at one time with the home visit permit, and terminate the old-age insurance relationship at the same time. Unemployment insurance does not have a personal account and is not refundable. Medical insurance can continue to use personal account balance.

Second, the nature of endowment insurance.

The endowment insurance for employees in China is established according to the provisions of the Social Insurance Law of People's Republic of China (PRC). The specialized social security institutions affiliated to governments at all levels are responsible for raising, managing and spending the endowment insurance fund. When necessary, they should also give certain financial support, transfer state-owned assets and other funds, ensure the preservation and appreciation of the social endowment insurance fund through the operation of the social security fund, and ensure the timely and full payment of pensions for retirees. To ensure that pensions are paid in full and on time, there must be a pooling fund for pension insurance, which is why pension insurance is divided into pooling accounts and individual accounts. The proportion of employees paying endowment insurance is 24%, of which the proportion of unit contributions is 16%, all of which are included in the overall fund, and the proportion of individual contributions is 8%, which is included in personal accounts. The overall planning part mainly solves the problems of the overall planning part, such as basic pension, salary adjustment, insufficient personal months, funeral expenses, solatium and other public problems; Personal accounts are all owned by individuals and can be inherited after death.