Can employee social security be refunded?

Social security is generally not refundable, but can be refunded in some cases, as follows:

(1) Non-local rural hukou: You can apply for a refund of the individual contribution after leaving your job, but the unit contribution cannot be refunded.

(2) Urban hukou can't be surrendered halfway. Only those who die, go abroad to settle down, or pay less than 15 years at the statutory retirement age can be surrendered; But only the individual part can be returned, not the unit part.

(3) If you bear the social security expenses in full, you can only refund one-third of the money, and the remaining two-thirds will be paid by the unit and cannot be refunded.

(4) The housing accumulation fund in five insurances and one fund can be returned in full, that is, both individuals and companies can return it.

Consequences of severing diplomatic relations

1. medical insurance, 20 years of sexual intercourse for women and 25 years for men, and they can enjoy life after retirement. Medical insurance has a buffer period of 3 months from the date of suspension of payment. Over this period, recalculate the continuous payment period. In addition, medical insurance can generally be interrupted three times, otherwise the payment period will be accumulated again. Do not enjoy all medical insurance benefits such as medical reimbursement during the interruption period.

2. Endowment insurance. According to the Interim Measures for the Management of Individual Accounts of Employees' Basic Endowment Insurance, you can enjoy life-long retirement after the pension insurance payment reaches 15 years. Generally speaking, this 15 year is calculated cumulatively. If it is broken halfway, it will be fine to continue, but the retirement benefits will be affected.

3. Unemployment and maternity insurance, as long as it is paid for one year, industrial injury insurance will be used immediately. In addition, in many first-tier cities, many policies are linked to the payment period of social security.

4. Social security payment will affect retirement benefits. Take the old-age insurance as an example, although you can enjoy retirement benefits as long as you pay 15 years, the quality of benefits will be discounted. According to the regulations, the fixed number of years of 15 is only a prerequisite for employees to receive basic old-age insurance after retirement. If the payment is interrupted for several years, the proportion of basic old-age insurance will be reduced by several percentage points, and the benefits enjoyed after retirement will naturally decline.

Legal basis:

Article 16 of the Social Insurance Law of People's Republic of China (PRC) * * * Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at 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.

Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.