Can you get a refund for not paying the full amount of social security

Social security can be returned without full payment. You can't return your personal account before you retire, you can only do it when you retire if you are at retirement age and have paid for less than 15 years, you can apply for a one-time withdrawal of the balance of your personal account when you retire, and you can't get a monthly pension after you withdraw it. If to the retirement age, pension insurance cumulative payment of 15 years, or for retirement retroactive payment of 15 years, for retirement after the monthly pension.

I. The details are as follows:

(1) Field: you can apply for a refund of the part of individual contributions after leaving the company, but the part paid by the unit cannot be refunded.

(2) can not be surrendered in the middle of the insurance, only death, settlement abroad or to the payment of fees less than 15 years can be refunded; but also can only return the individual part of the unit that part of the refund can not be.

(3) If you are fully responsible for the cost of social security, then only one-third of the money back, the remaining two-thirds of the unit belongs to the payment.

You can't refund your personal account before you retire. If you are of retirement age and have paid for pension insurance for less than 15 years, you can apply for a one-time withdrawal of the balance of your personal account when you retire, and you can no longer receive a monthly pension after the withdrawal. If by the retirement age, the cumulative contribution to the pension insurance for a full 15 years, or to make up for the full 15 years for retirement, for retirement after the monthly pension.

Two, social pension insurance contribution standards are:

1. Employee pension insurance contribution standards; all types of enterprises contribute 20% of the total wages paid by the employee, and the employee contributes 7% of the individual contribution base (7% in 2003, and increased by one percentage point over two years, eventually to 8%). The employee's share of contributions is withheld by the enterprise.

2. Pension insurance contribution standards for flexible workers: individual workers, including self-employed businessmen and freelancers, contribute 18% of the contribution base, all of which is borne by themselves.

3. Contribution standards for urban residents' pension insurance: 2022's contribution brackets are 100 yuan per year (only for low-income and five-guarantee family members), 300 yuan, 500 yuan, 600 yuan, 800 yuan, 1,000 yuan, 1,500 yuan, 2,000 yuan, 2,500 yuan, 3,000 yuan, 4,000 yuan, and 5,000 yuan*** 12 brackets. Among them, for those who choose a grade of less than 300 yuan, the subsidy rate is 30 yuan per person per year; for those who choose to pay 500 yuan, 600 yuan, 800 yuan, 1,000 yuan grade, the subsidy rate is 60 yuan per person per year; for those who choose to pay 1,500 yuan, 2,000 yuan, 2,500 yuan, 3,000 yuan, 4,000 yuan, 5,000 yuan grade, the subsidy rate is 100 yuan per person per year.

When paying urban and rural residents' old-age insurance, you can choose a reasonable contribution grade to make contributions according to your actual situation. Moreover, the urban and rural residents' pension insurance is paid in accordance with the way of paying more and getting more and getting more for a longer period of time, so the more the individual chooses to pay, the more pension he will receive after paying 15 years.

Three, under the new rules of social security, people who have not paid the full social security uniformly in accordance with the following methods to deal with the remedy:

① Annual retroactive payment

If you reach retirement age, there are still a few years (usually three years) before you have social security, you can make up for the payment every year so that when you retire, you can get the benefits of social security. However, you'll have to pay a late fee to cover your annual costs.

②Delayed Retirement

If you have reached the legal retirement age in our country and have not paid 15 years of social insurance you can apply for a delayed retirement of up to 5 years.

When you delay retirement you can continue to pay into social security while you work. I think the vast majority of people who can make up for social security don't want to delay retirement (except for public employees).

3) Lump sum payment

It's too convenient to pay 15 years of social security in one lump sum, however it's too unfair to those who pay social security on a yearly basis. So under the new rules, this method has been canceled.

Only those who meet the following conditions can make a one-time full payment:

State-owned enterprise and institution employees who retired before 2011;

Knowledge youth who went to the countryside between 1961 and 1982;

Retirees who are 65 years old for men and 60 years old for women, and who had already paid social security locally before 2011.

④Turning into resident social security

If there is still a long way to go before the full 15-year period of contributions, it is not cost-effective to choose to make up the contributions every year, or you can consider turning employee social security into resident social security.

Some places also allow you to make a lump sum contribution, but this is troublesome to deal with on the one hand, and on the other hand, the treatment is lower than that of employee social insurance.

⑤ Stop paying social security and take out the money

Everyone if you haven't paid for 15 years but don't want to spend any more money to make up the contributions then you can apply for a refund.

This way you don't have to continue to pay social security, and the money you paid before will be returned to you. But one consequence of this approach is that after retirement, there is no way to enjoy the benefits of health insurance as well as pension.

No matter who you are, you need to understand the importance of social security, so when you are looking for a job, it is best to choose a job with five insurance, because with social security we can really enjoy many benefits.

Legal basis

The Chinese People's **** and the State Social Insurance Law

Article 16 of the basic old-age pension insurance individuals, reaching the legal retirement age when the cumulative contributions of fifteen years, the monthly basic pension. Individuals who participate in basic pension insurance and have paid less than fifteen years of contributions when they reach the legal retirement age may pay contributions until they reach fifteen years and receive a basic pension on a monthly basis; they may also be transferred to a new type of rural social pension insurance or urban residents' social pension insurance, and enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.