How much can social security be refunded when people die?

In fact, after the death of the insured, the insured can generally receive 4 sums of money. First, the remaining money in the individual pension insurance account.

The second is the money left in the personal medical insurance account.

The third is the funeral expenses.

The fourth is providing for the aged.

Among them: the money in personal pension and personal medical account, if any, can be returned to individuals from social security fund. If not, don't return it. Funeral expenses and pensions are directly allocated by the social security fund, and no refund is involved.

First, the remaining money in the individual pension insurance account.

According to the provisions of the Social Insurance Law, after the death of the insured, if there is surplus funds in the personal pension insurance account, the personal account can be refunded, and the social security fund will return the money in the deceased's pension account to the heir. That is to say:

1. When the number of months for retirees to receive personal account pension is greater than or equal to the number of months for personal account payment, the amount of personal pension account storage is less than or equal to 0 yuan, and there is no money left. After the death of an individual, social security does not need to be refunded.

2. When the number of months for retirees to receive personal account pension is 0 yuan, there is still money left. After the death of an individual, social security needs to refund the remaining money in the individual pension account.

Second, the remaining money in the personal medical insurance account.

Similar to the money returned to the individual pension insurance account. If there is money left in the personal medical insurance account when the insured person dies, it will be returned by the social security fund; If not, there is no need to return it.

Three, the calculation standard of funeral expenses and pensions

According to the Interim Measures for the Treatment of Survivors of Basic Old-age Insurance for Enterprise Employees issued by Ministry of Human Resources and Social Security, the calculation standard of funeral expenses and pensions for employees and retirees in enterprises will be unified from September 2002 1 to September1.

1. Funeral expenses of on-the-job (retired) personnel = monthly per capita disposable income of urban residents in the previous year *2.

2. On-the-job pension standard = monthly per capita disposable income of urban residents in the previous year * months. Among them: if the payment period is less than 5 years, the number of payment months is 3 months (lower limit); If the payment period exceeds 30 years, the number of payment months is 24 months (upper limit).

3. Retiree pension standard = monthly per capita disposable income of urban residents in the previous year × months. Among them, the calculation method is similar to that of on-the-job personnel. The difference is that every time you receive the basic pension 1 year, it will be reduced by 1 month, and the minimum number of payment months is 9 months and the maximum is 24 months.

Legal basis:

Social insurance law

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their 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.