Is social security a lie?

Because your father participated in the endowment insurance for flexible employees, the individual contribution amount of the insurance = payment base * 20%, of which 8% goes into personal account, which is consistent with the employee endowment insurance, and the remaining 12% goes into the overall fund. Therefore, the balance of personal account is 40% of the individual contribution (8%/20% = 40%). This is no problem, the country is unified.

However, the death of the insured person of flexible employment pension insurance should involve funeral expenses and pensions in addition to the balance of personal accounts. For the specific funeral expenses and pensions, I suggest you consult the social security agency.