Can I return the social security if I haven't paid it?

Social security is generally not refundable if it is not paid. Only under the following five special circumstances can the refund be made, and only the part paid by the enterprise (that is, the money in the personal account) will be refunded, and the enterprise will not refund the payment:

1, repeated payment;

2. If you don't pay enough 15 years when you retire and don't want to make up the difference at one time, you can apply to the social security agency, and the relevant departments will refund the fees paid by the individual at one time;

3. Retired soldiers;

4. Change of nationality;

5. If the insured dies before the retirement age, he can return his personal account and enjoy pension and funeral expenses.

Impact of surrender in different situations:

1, on-the-job employees surrender their insurance.

The social security of on-the-job employees mainly includes five insurances. When you apply for surrender, you can only refund the endowment insurance, and the refund is only 8% of the expenses paid by the individual. The expenses paid by the company will enter the overall account and will not be refunded. Relatively speaking, if the employees surrender their insurance, the lost premium is not much, but at the same time, the employees' pension insurance benefits will be cancelled.

2, flexible employment personnel surrender

When flexible employees pay social security, all the expenses are borne by individuals, generally according to 20% of the payment base. Only 8% of the expenses can be put into personal account, which is the money that can be refunded when surrendering, while the other 12% will be put into the overall account, and this money cannot be refunded, which means that if the flexible employees surrender, they will lose 12% of social security.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to get material help from the state and society in the event of old age, illness, industrial injury, unemployment and maternity.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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. Nineteenth individuals across the overall regional employment, the basic old-age insurance relationship with my transfer, the cumulative payment period. When an individual reaches the statutory retirement age, the basic pension is calculated in stages and distributed uniformly. Specific measures shall be formulated by the State Council.