Can people return social security if they die before retirement age?

If a person dies before retirement age, social security can be refunded;

1, pension

For employees who die before retirement age, their unit or family members can apply for paying the old-age insurance premium in the personal social security account on behalf of employees, and return the pension refund corresponding to the payment base and payment ratio when paying. This needs to belong to the employee's legacy-the person in charge of the institution where the employee's survivor's household registration is located issues the home page+copy of ID card+survivor's relationship certificate+original and copy of death certificate, and the social security department can refund the personal pension after checking.

2. Reserve fund

Provident fund is a part of personal account. When there is a deposit in the personal account, you can withdraw the deposit directly without making the necessary application. If there are still deposits in the provident fund account, the survivors, that is, the spouses of employees, can inherit the deposits and property in the account according to law, and go through the relevant formalities according to regulations.

3. Medical insurance

After the unfortunate death of an employee who has not yet reached retirement age, he can refer to the provisions of the Social Insurance Law and the Interim Measures for Medical Insurance for Urban and Rural Residents, and transfer the balance of the medical insurance fund in the payment account of the individual social insurance account and the balance of the hospitalization supplementary medical account into the local comprehensive medical insurance fund, which will be collected by the survivors of the employees, and the excess will be paid by the survivors of the employees.

Under what circumstances can I return social security?

1, double payment

Since there is no national social security network at present, it is possible for employees to pay social security in two different provinces at the same time. The social security paid in repeated time periods is not included in the accumulated years, and the social security paid repeatedly by employees is likely to be paid in vain. At this time, when the relevant departments collect the pension insurance relationship, they will refund the principal and interest paid by individuals who cannot be transferred or merged to themselves in accordance with the principle of "transfer first and then pay". Simply put, if you accidentally pay social security in two cities at the same time, you can refund the amount paid by one city.

2. The salary at the time of retirement is not enough 15 years.

As we all know, you can only receive a pension after paying social security 15 years and reaching retirement age. However, some people can get back their social security contributions before they reach the statutory retirement age 15 years, but they are unwilling to make up the difference at one time. In other words, your social security has been unpaid for 15 years. Although the state will not give you a monthly pension, it will not "eat up" the money you have already paid.

3. Unfortunately, he died before retirement age.

If the insured dies before reaching retirement age, then the immediate family members of the deceased can apply to withdraw all the money from the social security account and return it to their families. This is a national regulation. In fact, social security is to make us live better. You can pay for every day you live. As long as people are still alive, you can apply for medical treatment once, which is one of the differences between it and commercial insurance.

4. Immigration and settlement

If the insured person has settled in foreign countries, Hong Kong, Macao and Taiwan before reaching the basic pension conditions, he can receive all the storage in his personal account at one time and terminate the basic pension insurance relationship. If the insured person settles abroad after retirement, the basic pension can be collected by the designated agent or deposited in the agency; In addition, you can also apply at one time and pay off all the deposit balance in your personal account at one time.

To sum up, if you die before the retirement age, the personal part and interest paid by the pension can be returned in full! Can be inherited by legal heirs.

Legal basis:

Social insurance law

Article 17

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.