Can I withdraw money from my personal social security account after I die?

After death, the money in the personal social security account cannot be withdrawn.

This is because the money in the personal social security account is prepared for individuals to retire or receive pensions, medical security and other benefits after retirement. If an individual dies, these benefits cannot be enjoyed, so it is impossible to take money out of the account. However, if an individual has enjoyed some benefits before his death, the rest can be returned to his heir or designated beneficiary. The specific situation needs to be judged according to relevant local laws and regulations.

The social security balance can be inherited after death, as follows:

1. Heirs can apply for inheriting the social security balance. Heirs need to apply to the local social security bureau to provide relevant materials such as the identity certificate of the deceased and the identity certificate of the heir;

2. Heirs can choose to receive the balance of social security. The social security balance can be collected at one time or in installments, and the specific amount and collection method should be operated in accordance with the provisions of the local social security bureau;

3. If the heir does not need to receive the social security balance, he can choose to give up inheritance. In the case of giving up inheritance, the social security balance will be included in the national social security fund.

To sum up, the inheritance and collection methods of social security balance may be different in different regions, and the specific operation needs to be carried out in accordance with the regulations of the local social security bureau. At the same time, the heirs need to apply within a certain period of time, otherwise the inheritance right may be affected.

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Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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 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.