What about the death pension before retirement?

Legal analysis: If you die before the retirement age, the personal part and interest paid by the pension can be returned in full. The pension of individual account can be inherited, and it can be withdrawn from the social security center at that time. Funeral expenses can be paid. For eligible minors and elderly parents, there is a monthly subsidy.

Legal basis: People's Republic of China (PRC) Social Insurance Law.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.

Fifteenth basic pension consists of overall pension and individual account pension.

The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their survivors can receive funeral grants and pensions.