Can I withdraw the personal balance of social security?

Personal balance cannot be withdrawn directly.

However, under some special circumstances, such as when the insured reaches the statutory retirement age, emigrates or dies, the balance of his personal account can be withdrawn or disposed of according to regulations.

Specifically, if the insured reaches the legal retirement age and goes through retirement procedures, he can receive a pension in accordance with relevant regulations, and the balance of the social security personal account is paid as part of the pension. If the insured person emigrates or dies, the balance of his personal account can also be withdrawn or inherited in accordance with relevant regulations.

It should be noted that the conditions and regulations for the withdrawal of social security personal account balance vary from region to region and from policy to policy. Therefore, the specific withdrawal methods and procedures need to be handled in accordance with relevant local regulations.

In addition, there are relevant laws and regulations to regulate the use and management of social security personal account balance. Insured personnel shall abide by relevant regulations, rationally use the balance of personal accounts, ensure that it is used for personal social security expenditures, and prevent abuse and misappropriation.

To sum up:

In most cases, the personal balance of social security cannot be directly withdrawn, but under certain circumstances, such as retirement, immigration or death, it can be withdrawn or handled according to regulations. The specific withdrawal conditions and regulations vary according to different regions and policies, and the insured shall abide by the relevant regulations and make rational use of the personal account balance.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 14 stipulates:

Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.

People's Republic of China (PRC) social insurance law

Article 16 stipulates:

Individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid a total of fifteen years when they reach the statutory retirement age. Individuals who participate in the basic old-age insurance and pay less than fifteen years when they reach the statutory retirement age can pay for fifteen years and receive the basic pension on a monthly basis; Can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, enjoy the corresponding pension insurance benefits in accordance with the provisions of the State Council.