Social security refund has started on 202 1. Who can return it? How much is the refund? prospect

At the end of 1 1, a few netizens left a message asking questions, saying that since 20021,some people can refund a lot of money. What's going on here? Can social security still get a refund? Who can?

The social security class has been fully verified, and here is the specific answer to this question. Remember to read it.

First of all, it should be noted that there is no fixed date for social security refund, unlike the winter heating subsidy, which is limited to you at a specific time. Under what circumstances can I get a social security refund? Is it worth paddling when you come back? First of all, we should refer to the following two important principles:

First, the refund can only be refunded from the personal account, and the money paid to the overall account cannot be refunded.

Take employees of private enterprises or state-owned enterprises as an example. When participating in the payment of endowment insurance, part of the money paid by enterprises and individuals is paid into the overall account of endowment insurance fund, and part is paid into the individual account of endowment insurance.

However, if 202 1 is eligible for refund, only the money in the personal account can be refunded, and there is no way to refund the money in the pension pooling account, because the money in the pooling account is equivalent to the pooling fund enjoyed by retirees nationwide.

2. Social insurance premium 202 1 refund. I suggest you don't return it, try your best.

First of all, whether you are an urban employee or an insured person of the old-age insurance for urban and rural residents, you can see that the pension benefits are increasing year by year in recent years. This year, employee pension increased by 65,438+07.

As for next year's increase, in the month of 1 1, China Economic Times recently stated that "there will be a high probability of a continuous increase of 18 next year, which will be put on the agenda soon". Therefore, people who want to refund the fee after paying the fee really have to think twice, otherwise it may lead to a very uneconomical result. After all, pensions can be received every month, and there is still an increase in income.

Moreover, no one can apply for social security refund casually, and several conditions need to be met-2021year, and it can only be refunded under four types of circumstances. Let's see if there are you.

1) has reached the statutory retirement age, but the personal payment period is less than 15 years, so I don't want to or can't continue to pay.

In this case, generally speaking, people who cannot retire temporarily, such as some people, have only about 89 years of payment years due to historical reasons, and will not be able to continue to pay fees until 15. This situation is optional and can apply for a refund of the money in their personal accounts.

However, I need to remind you that if the difference between your payment years is not too big, for example, you have 13 and 14, and you are only one or two years short of payment, then I suggest you don't apply for a refund rashly, but you should change from your unit to a flexible employee and bite your teeth and continue to pay for one or two years, so that you can retire smoothly! You can get a pension every month after retirement, and you can expect an increase every year. Isn't it delicious?

Now we have entered the age of longevity, and the average life expectancy is over 77 years. I suggest you take a long view and don't kill the goose that lays the golden egg. In order to refund the fee and give up the monthly retirement salary for many years to come, you picked up sesame seeds and lost watermelon!

2) In the second category, the insured can apply for a refund if they emigrate and settle abroad before retirement, and if they don't want to or can't continue to pay the fees.

For example, if you immigrate to Europe or the United States, you can also choose to return the money in your personal account. Of course, you won't get a pension in the future, and the money given to your overall account can also be refunded.

3) the third category, that is, people who repeatedly participate in the insurance.

This situation is rare. If a person has participated in the endowment insurance for urban workers and the endowment insurance for urban and rural residents at the same time, it is in conflict with each other-according to the regulations, one of them must be returned!

In reality, there are indeed some flexible employees, and later, because of the great pressure, they switched to endowment insurance for urban and rural residents. In short, when one of them is returned, only the money in the personal account can be returned.

Before talking about the fourth situation, we should especially remind everyone that the social security law clearly stipulates that the funds in the personal account of endowment insurance shall not be withdrawn in advance, and will not be returned unless it is in special circumstances that meet the requirements.

4) The fourth category, the insured died unfortunately.

This situation means misfortune. Following September 1 and 202 1, new regulations on funeral subsidies and pensions have been introduced in various places. If the retiree dies early and the money in the personal pension account has not been paid out, his survivors can receive the money as an inheritance.

Of course, if you die later, for example, in your 80s and 90s, then the money in your personal account has already been spent, and there will be no more. It is worth noting that even if the employees die young, the survivors can still take out the money (of course, I believe no one wants this to happen ...).