How to deal with the balance of personal account after the death of endowment insurance

Legal analysis: 1. If the insured person dies during the period of receiving the pension, the social insurance agency will stop issuing the pension from the next month after his death, and at the same time issue a one-time funeral subsidy 500 yuan, and return the balance of funds in the personal account except the government subsidy to his legal heir or designated beneficiary. The balance of government subsidies is used to pay the treatment of other insured persons. 2. If the insured has been missing for more than 6 months during the pension period, the pension will be stopped from the seventh month. After being declared dead by the people's court, the balance of funds in an individual account other than government subsidies shall be returned to his legal heir or designated beneficiary. 3. If the pensioner dies, the immediate family member or the principal of the immediate family member shall go through the relevant formalities at the street (township) human resources and social security service center and community service center within 30 days from the date of death. 4. According to the Social Insurance Law of People's Republic of China (PRC), individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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. 5, to participate in the basic old-age insurance of individuals, due to illness or non-work-related death, their 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.

Legal basis: According to Articles 14 and 14 of the Social Insurance Law of People's Republic of China (PRC), individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.

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 subsidies 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.

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The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.