How to deal with the old-age insurance when people die?

There are two cases: 1. One is that the insured person dies before reaching the pension age and before retirement, and social security does not make corresponding compensation. Only the individual contribution and interest in the personal account of the endowment insurance will be returned to the heir at one time, and the endowment insurance relationship will be terminated at the same time; Medical expenses before death can be reimbursed according to regulations. Bring the death certificate and social security card issued by the local police station and apply for a social security refund at the social security bureau of the insured place. 2, the other is just a few months, or died before receiving a pension; There are also cases where the insured has moved abroad to stop participating in the insurance. After retirement and death, the balance of personal contributions and interest (less the part that has been received in the past) in the personal account of old-age insurance will be returned to the heir at one time, and the old-age insurance relationship will be terminated, so you can apply for funeral expenses and pensions. Whether you pay all the expenses yourself or not (individuals also pay part of the company and part of the social security of the unit as a whole), only the payment part in the personal account will be refunded.

Legal basis:

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

Article 12 The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of employees stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.

Article 60 The employing unit shall declare on its own and pay social insurance premiums in full and on time. Except for legal reasons such as force majeure, the payment shall not be postponed or reduced. The social insurance premiums that employees should pay shall be withheld and remitted by the employer, and the employer shall inform me of the details of paying social insurance premiums on a monthly basis. Individual industrial and commercial households without employees, part-time employees who have not participated in social insurance in the employing units and other flexible employees can pay social insurance premiums directly to the social insurance premium collection agencies.

Derivative problem:

What are the conditions for receiving a basic pension?

The conditions for receiving basic pension benefits are as follows: 1. Reaching the statutory retirement age (60 years for men, 50 years for women workers and 55 years for women cadres). Unless otherwise specified for special operations under high temperature and high pressure); 2. The accumulated payment has reached 15 years. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the residents' social endowment insurance.