Can individual endowment insurance be refunded? How come?

1. Death at work means that the insured person dies at work, and the basic old-age insurance relationship will be terminated and the balance of his personal account will be handed over to his successor according to law.

2. If the nationality changes after leaving the country to settle down, and the insured person has left the country to settle down and change his nationality before reaching the conditions for receiving the old-age insurance, he may apply in writing to terminate the employee's old-age insurance, and go directly to the household registration book issued by the government department of his place of residence to go through the formalities of moving in and cancellation page. At this time, the personal payment principal and interest during the enterprise payment period will be returned.

3. Repeated payment of endowment insurance. If the payment of flexible employees and the payment of employers are repeated, the part paid by flexible employees may be refunded. If the bank withholding and payment are duplicated by the enterprise, the part paid by the enterprise can be refunded.

(1) When reaching the legal normal retirement age, the employee whose continuous service and payment period are less than 15 years will pay the accumulated amount in his personal account to him in one lump sum to terminate the pension insurance relationship.

(2) If an employee dies before retirement, the personal payment principal and interest in the amount stored in the personal account shall be paid to the designated beneficiary or legal heir in one lump sum.

(3) If a retiree dies and the amount stored in his personal account for basic old-age insurance has not been collected or has not been fully collected, the individual contributions in the balance shall be paid to his designated beneficiary or legal heir in one lump sum.

(4) If the owner of a private enterprise or individual industrial and commercial household (including the self-employed insured payer) dies before retirement, the old-age insurance premium paid by him as the owner of the private enterprise or individual industrial and commercial household after June 5438+ 10 can be paid to his designated beneficiary or legal heir in one lump sum.

Pension insurance surrender processing:

1, apply, the insured person holds the ID card or citizen card to the social security service hall where the household registration is located to apply to the social security agency, and fill in the relevant surrender application form.

2. Acceptance: the staff of the social security agency will accept the qualified application, and return the application materials if they do not meet the requirements, and inform the reasons.

3, audit, social security personnel to meet the conditions of personnel refund processing.

I hope the above content can help you. Please consult a professional lawyer if you have any other questions.

Legal basis: Article 14 of the Social Insurance Law stipulates that individual 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.

Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have accumulated contributions for fifteen years when they reach the statutory retirement age.