What if he dies before he reaches retirement age?

Legal analysis: the family members of the deceased can apply to withdraw all the money from the social security account and return it to their families. The policy of surrender after death stipulates (1) that if an enterprise employee dies while in office, the amount of inheritance shall be the principal and interest of the individual contribution in the total amount stored in his personal account at the time of his death. (2) When the retiree dies, the inheritance amount is the principal and interest of the individual contribution part in the individual account balance. (III) Urban self-employed workers who participated in the basic old-age insurance (including those who continued the basic old-age insurance relationship as self-employed workers after the termination of labor relations with enterprises) died before receiving the basic old-age insurance, and the basic old-age insurance premiums paid by individuals were included in the principal and interest of individual accounts and the principal of the overall fund according to the prescribed proportion, and paid to their designated beneficiaries or legal heirs in one lump sum; Urban self-employed workers who have received basic pensions die, and their personal account balance and individual contributions are included in the principal of the overall fund according to the prescribed proportion. If there is a balance after deducting the total amount of basic pensions (excluding personal account pensions) that have been received, the rest will be paid to their designated beneficiaries or legal heirs in one lump sum.

Legal basis: 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.