Can I withdraw the social security personal account balance?

Can I withdraw the social security personal account balance?

Can I withdraw the social security personal account balance? Our social security is divided into two accounts: the overall account and the personal account, and the balance in the personal account is for our own use. Let me show you about the social security personal account balance. Can I withdraw it?

Can I withdraw the social security personal account balance? 1 The money in social security can be withdrawn, but to meet the withdrawal conditions, the personal account of social security card pension insurance can only be withdrawn after retirement, and it is not allowed to be withdrawn in advance.

According to Article 11 of the Social Insurance Law of People's Republic of China (PRC), the basic old-age insurance combines social pooling with individual accounts. The basic old-age insurance fund consists of employers, individual contributions and government subsidies.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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 64 of People's Republic of China (PRC) Social Insurance Law includes basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.

Can I withdraw the social security personal account balance? Under normal circumstances, it cannot be taken out for use.

There are only two situations when we say that there is money in the social security card:

One is the money in the personal account of the medical insurance account, which can be used to pay for outpatient expenses or drugs purchased by designated pharmacies and other things that can be paid by medical insurance cards (the existing methods are proposed, but it is not recommended to do so because it involves false transactions, after all, it is illegal);

The other is the money in the personal account of endowment insurance. The normal process is to pay according to the number of months after retirement, one part is a monthly pension, and the other part is paid from social pooling (unless it is stopped or immigrated).

Basic information such as the cardholder's name, gender, and citizenship number, and the cardholder's personal status (employment, unemployment, retirement, etc.) are recorded on the social security card face and card. ) marked in the card, you can record the cardholder's social insurance payment, pension insurance personal account information, medical insurance personal account information, professional qualifications and skills, working experience, work-related injuries and occupational diseases.

Social security card is the electronic certificate for workers to work in the field of labor security. Cardholders can use their cards to seek medical treatment and settle medical insurance personal accounts; You can handle endowment insurance affairs with your card; You can apply to the relevant departments for job registration and unemployment registration, unemployment insurance and employment training; You can apply for labor ability appraisal with your card and enjoy work-related injury insurance benefits. In addition, the social security card is the key for workers to open the door to the contact system. With this key, cardholders can query information online and handle related labor and social security affairs online in the future.

Can I withdraw the social security personal account balance? If social security is divided according to the nature of security and savings, it can be divided into two categories. The nature of protection includes medical insurance, industrial injury insurance, maternity insurance and unemployment insurance. These four insurances are constantly used in the payment process, which are of a guarantee nature, so they cannot be surrendered; What has the nature of saving is endowment insurance, which is to prepare for the future pension. In a sense, it also has the nature of endowment insurance, so it can be cashed out.

However, not all the funds in the endowment insurance can be cashed out. The endowment insurance in the social security card actually includes two accounts, one is the overall fund account and the other is the personal account. The overall fund account belongs to the unit payment part, which is about twice that of the individual account. This part of the money can't be used by individuals, but the personal account of endowment insurance can be withdrawn.

Although the personal account of endowment insurance can indeed be withdrawn, it is not as easy as expected to withdraw the money from the social security card. The conditions are actually very harsh, and it is not cost-effective for future pension.

1, settled abroad, domestic household registration has been eliminated. At this time, you can withdraw cash;

2. You have reached retirement age, but you haven't paid the fee 15 years. At this time, you can choose to continue to pay 15 years to receive a pension; You can also withdraw the money from your personal account in the old-age insurance at one time;

3, has not yet reached retirement age, but unfortunately died, personal account money can also be taken out as a legacy;

Social security has been paid in different provinces. If the labor relationship in a province is terminated, then the personal account in that province can also be cashed out;

Therefore, the personal account of endowment insurance can be withdrawn, but the conditions are strict and it is not cost-effective to take it out.