Social security has just been paid 15 years. What if someone dies?

If a person dies after paying social security 15 years, the money inside should be collected by his family or legal heir! According to the application, the principal and interest of the deceased account will be settled, in which the individual payment will be returned to his heir in one lump sum, and the unit payment will be included in the overall fund. Applicants are required to bring the medical certificate of death, ID card, proof of relationship with the deceased and social security card of the deceased or the agent to the Social Security Bureau for handling. The dead should not only settle accounts, but also pay certain funeral expenses and pensions.

Can be divided into two situations:

1, one is that the insured dies before reaching the pension age. Social security has no corresponding compensation for those who die before retirement. Only the personal 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, 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. In case of death after retirement, the individual contributions and interest balance in the personal account of endowment insurance (minus the part received in the past) will be returned to the heir at one time, and the pension insurance relationship will be terminated at the same time. You can apply for funeral expenses and pensions. Whether you pay all the expenses yourself or not. (individual contributions are also paid by the unit, and the social security of the unit is coordinated. Surrender only returns the payment part in the personal account.

3. After the death of the insured, his family members or legal heirs can have three treatments: personal account principal and interest, funeral expenses and pension.

legal ground

Article 17 of the Social Insurance Law of People's Republic of China (PRC)

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.