What about social security if you die after retirement?

When a retiree dies, the balance (if any) in his personal account of old-age insurance shall be fully inherited by the heir. If it meets the local regulations, the social security shall pay the funeral expenses and pension. The above money shall be collected by the insured institution with the death certificate or cremation certificate of the party concerned. If a person dies after retirement, the pension part of personal social security can be inherited. But only the personal account pension is inherited. The overall contribution of the company cannot be inherited. At the same time, funeral expenses and pensions are paid and received by relatives. Article 14 of the Social Insurance Law of People's Republic of China (PRC), individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.

Legal objectivity:

People's Republic of China (PRC) social insurance law

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.