Social security has been paid for 12 years. Will people get a full refund when they die?

People who have paid 12 years of social security will not be fully refunded when they die.

The personal account balance of endowment insurance can be inherited by his family. The basic pension consists of overall pension and individual account pension. If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral subsidies and pensions. If the employee participates in the social security of the unit, the heir can inherit part of the employee's personal account and interest; If an individual is insured, the heir can take away all the old-age insurance premiums paid before.

Social security processing flow:

1, prepare the account opening materials, and go to the local social security bureau to open an account, usually through the account opening service window of the social security bureau. The required materials include: business license 1 copy (with official seal), organization code certificate 1 copy (with official seal), double-sided ID card of legal representative 1 copy (with official seal), bank account opening permit 1 copy (with official seal) and 2 social insurance registration forms; All the above information is submitted to the Social Security Bureau, and the staff of the Social Security Bureau will enter the information into the system and issue a social insurance registration certificate on the spot;

2. Go to the Social Security Bureau to get the employee social security declaration and approval form. Fill in the personnel registration form of the social insurance insured unit, and let the company legal person sign it. Then both forms are stamped with the official seal of the company and taken to the verification window of the social security bureau. The staff will give you the social insurance premium declaration verification form;

3. Go to the local tax bureau to change the tax payment certificate. It seems that if you get the social security fee declaration and approval form, you can pay directly in cash, or swipe your card, or go to ICBC to pay. "Social insurance declaration and approval form" in duplicate. The first copy is sent to the local local tax bureau with the official seal, and the second copy is kept by itself. If your company is newly established and has not been registered with the local taxation bureau, it is impossible to change it to the tax payment book now. You need to follow the process to complete the registration before you can change it. First you have to register tax, and then you have to register social security.

4. Pay at the bank where the company opens an account. To open an account in the company, you need to pay by tax bill. To be clear, the set of seals left by the company in the bank where the account is opened can be stamped on the tax payment form first. If you are not sure what stamp to stamp, you can take the company's stamp to the bank to stamp it on the spot, and finally the bank will return the first tax return for your own use.

To sum up, people who have paid social security 12 years will not be fully refunded when they die, but the balance in the personal account of social insurance can be inherited. According to the law, if an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral subsidies and pensions.

Legal basis:

Article 14 of the Social Insurance Law of People's Republic of China (PRC)

Personal 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.

Article 15

The basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Article 16

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach 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.

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.