Can I get a refund if the social security file is broken? How come?

If the insured person goes abroad to settle down or dies, the social security fee may be refunded according to the relevant provisions.

First, the reasons and effects of the interruption of social security

Social security is usually broken because individuals or units fail to pay social security fees in full and on time. After the social security is cut off, the insured will not be able to enjoy the rights and interests provided by social security systems such as medical insurance and endowment insurance. At the same time, cutting off social security may also affect personal credit records and future social security benefits.

Two, the special circumstances of social security fee refund

Although social insurance premiums are generally non-refundable, under some special circumstances, the insured can apply for refund of the social insurance premiums already paid. These special circumstances usually include:

1. Insured personnel go abroad to settle down: If the insured decides to go abroad to settle down and give up China nationality, they can apply to the social security department for refund of the social security fees they have paid.

2. Death of the insured: If the insured dies unfortunately, his family members can apply to the social security department for refund of the balance in his personal account.

It should be noted that the refund application under these special circumstances needs to meet certain conditions and procedures, and the specific provisions may be different due to different regions and policies. Therefore, the insured or their families should consult the local social security department for detailed regulations and procedures when applying for refund of social security fees.

Third, how to avoid breaking social security?

In order to avoid the disconnection of social security and its possible negative impact, individuals and units should pay social security fees in full and on time. At the same time, we can also pay attention to the changes and adjustments of social security policies and understand and adapt to the new policy requirements in time.

To sum up:

Generally, the social security premium that has been paid cannot be directly refunded after the social security is broken off. However, under special circumstances, such as going abroad to settle down or dying, social security fees can be refunded according to relevant regulations. In order to avoid breaking off social security and its influence, individuals and units should pay social security fees in full and on time, and pay attention to policy changes.

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.

Detailed Rules for the Implementation of People's Republic of China (PRC) Social Insurance Law

Article 18 stipulates:

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants 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.