Can social security and pension insurers be refunded if they die before the age of 60?

Social security and endowment insurance can't be refunded if you die before the age of 60.

1, according to the relevant provisions of the old-age insurance, if the insured person dies during the payment period, his legal heir can receive the funeral expenses, pension and personal account balance with the insured person's death certificate and the old-age insurance manual;

2. If the insured person of rural social endowment insurance dies before the age of 60, in addition to government subsidies, the fund balance of his personal account of endowment insurance, that is, the total amount of individual contributions and the interest after deducting management service fees over the years, can be inherited according to law.

The specific process of receiving pension insurance after death is as follows:

1, you can receive the money and interest you paid, which is part of your personal account;

2. Provide relatives' ID cards, household registration books, death certificates or cremation certificates, and endowment insurance manuals. If there is a unit, it shall be handled by the unit; If there is no unit, it shall be handled by the local social security center;

3. If you die before retirement and have a unit, you can also apply to the unit for funeral expenses and pensions. If you don't have a unit, you don't have one.

If a person dies after retirement, the balance of his personal account (after deducting the part he has received) can be refunded, or he can apply for funeral expenses and pension from social security.

The materials to be submitted when accepting the application for endowment insurance are as follows:

1, application form for pension unemployment insurance death benefits;

2. One original and one copy of the applicant's ID card;

3 "Burial Certificate", medical certificate of death of residents, certificate of cancellation of death, original and photocopy of death certificate declared by the court and other materials;

4. Proof of the legal inheritance relationship between the applicant and the deceased (marriage certificate, household registration book, certificate of immediate family members issued by the public security organ, notarial certificate, notarial certificate issued by the agency, etc.). ), as well as the proof of the agency;

5. If the deceased has immediate family members to support him, the applicant shall provide the supporting relationship certificate issued by relevant departments:

(1) Certificate issued by the Municipal (District) Human Resources and Social Security Bureau;

(2) Other judicial notaries;

(3) If the dependent immediate family member is a student of an ordinary school who has reached the age of 16, a certificate of attendance issued by the school must also be provided;

6, the funeral expenses receipt of the funeral department;

7. The original and photocopy of the applicant's bank passbook (for the agency of the unit, the death pension will be sent to the passbook where the deceased received the pension before his death).

To sum up, if a person dies before the age of 60, the old-age insurance will not be refunded, but his personal account can be inherited, and funeral subsidies and pensions will be given to his relatives.

Legal basis:

Article 14 of the Social Insurance Law of People's Republic of China (PRC)

Personal 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.

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.