I paid social free occupational insurance in Yongkang. I want to return my insurance after a few years. Can I return it?

It's best not to retire. I suggest you continue to retire. Only by enjoying retirement benefits can citizens enjoy the benefits of national development. /kloc-those who have not retired in 0/5 years can continue to pay for five years. If you continue to pay for five years, it will really be less than 15 years. Then you have to retire now.

As for how much the old-age insurance is refunded, we must first find out how the old-age insurance is paid and where it is used.

Generally speaking, the endowment insurance is paid to the Social Security Bureau according to 28% of the salary base of individual employees, of which 20% is borne by the unit and 8% by the individual; For the sake of social stability, the Social Security Bureau allows individuals to pay 20% of the local average social wage for unemployed people or freelancers without units and rural workers. Only 8% (65438+February 3, 20051before 1 1%) of the pension is paid by companies or individuals, which is the same as a considerable number of personal deposits. The social security bureau pays interest. Let me introduce the use of this money. The rest of the pension paid is deducted from the personal account and entered into the social pension fund. A simple understanding is to use the money of non-retirees to support the elderly who are now enjoying retirement.

After going through the retirement formalities, people who have gone through the old-age insurance need not pay the pension, but can enjoy the pension first. The calculation of pension is divided into two parts, one part is the money in the personal account mentioned above, which is accumulated over the years and calculated into the pension on a monthly basis. The total number of months calculated is the average life expectancy of society MINUS the retirement age of individuals. For example, if the average life expectancy is 72 years and the retirement age is 60 years, the total number of months is (72-60)× 12= 144 months. If the person who enjoys retirement benefits does not live to the average life expectancy of the society, the money in his unused personal account can be directly returned to the heir. If the person enjoying retirement benefits exceeds the average life span of the society, this part of the retirement fee can still be enjoyed free of charge according to the original amount. The other part of the pension is the social pooling fund from the social pension. Its calculation method is complicated, but there is a general principle that the more the amount and years of pension paid before retirement, the higher this part of the pension will be, and with the development and progress of society, the wages of social workers will continue to increase, which means that retired elderly people will enjoy the benefits of national development and progress, which is why we have seen that the retirement wages of the elderly are always increasing in recent years.

Finally, talk about the money you can get out of pension insurance. In principle, withdrawing from the endowment insurance can only return the accumulated amount and interest entered into the personal account. This part of social pooling has been used for pension payment and cannot be returned. However, in order to make the individual pay the old-age insurance without worries, the individual can also return the pension he paid to the social pooling 12% according to the local average social wage, but interest is not calculated. According to this method, I believe you should be able to work out how much money you can get if you surrender.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.