If you need an agent, you need the ID cards of both the agent and the agent and the corresponding agent certificate. But different banks have different regulations. Users are advised to consult bank customer service staff before cancellation.
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.
Individual pension accounts can be cancelled and changed to banks, but the conditions for cancellation need to be met. If the personal pension account has no money, you can directly apply for cancellation and then open an account in another bank. If there is money or wealth management products in the personal pension account, it needs to be transferred out before the account can be closed.
First, the cancellation of individual pension accounts must meet the following conditions:
1. The fund account has been changed to another bank and the related assets have been transferred;
2. The insured person meets the conditions for receiving the pension, the relevant funds have been collected, and the personal income tax has been withheld and remitted;
3. Other circumstances stipulated by laws and regulations or China Banking Regulatory Commission.
Two, individual pension accounts can not be cancelled in several cases:
1. Account closing is not allowed when the account has a balance;
2. When the account has outstanding interest, it is not allowed to close the account;
3. When there is an important relationship with the account, it is not allowed to close the account, and it is necessary to cancel the important relationship before closing the account;
4. When products (term, wealth management, funds, insurance, etc.). ) exists, and account cancellation is not allowed.
Personal pension accounts can be cancelled online or offline.
I. The offline account cancellation process of individual pension account is as follows:
1. Insured persons bring relevant materials to the village (neighborhood) committee to apply for cancellation of registration and fill in the Registration Form for Cancellation of Basic Old-age Insurance for Urban and Rural Residents.
2. The village (neighborhood) co-organizer shall report the "Cancellation Form" and related certification materials to the township (street) office within the prescribed time limit.
3, the township (street) office after the preliminary examination, the cancellation of registration information into the information system, and according to the prescribed time limit will be reported to the county social security institutions.
4. County-level social security agencies shall settle the balance of their personal account funds (in areas where the funeral subsidy system is established, the amount of funeral subsidies shall be calculated for those who meet the conditions for receiving funeral subsidies), and pay the balance of personal account funds (and funeral subsidies) to the insured (or designated beneficiaries or legal heirs). After the payment is successful, confirm the cancellation information, terminate the pension insurance relationship between urban and rural residents, and sign and seal the cancellation form.
Second, the online cancellation process is as follows:
1. First, open Alipay APP, click the service page and enter the Citizen Center;
2. In the Civic Center interface, click to enter the service hall;
3. In the social security service interface, click Cancel Pension Account to cancel the pension account.
The materials required to cancel the personal pension account are as follows:
First, the insured person dies, and the village (neighborhood) coordinator shall promptly notify his designated beneficiary or legal heir to cancel the registration after his death. The designated beneficiary or legal heir shall, within 60 days after receiving the notice, apply to the village (neighborhood) committee for cancellation of registration, fill in the Registration Form for Cancellation of Basic Old-age Insurance for Urban and Rural Residents, and provide the following materials:
1, the death certificate issued by the hospital, or the cremation certificate issued by the civil affairs department (except the cremation area), or the household registration cancellation certificate issued by the public security department; The death certificate provided by the village (neighborhood) committee; If the missing person is declared dead, a death certificate issued by the judicial department shall be provided;
2. The original and photocopy of the household registration book, resident identity card (or household registration certificate) of the designated beneficiary or legal heir, legal documents, notarized documents or relevant certification materials issued by public security organs, towns (streets) and village (neighborhood) committees, etc. ;
3. If the balance of the insured's personal account cannot be withdrawn from the original bank account, the designated beneficiary or legal heir shall also provide other account information of the designated financial institution.
Second, the insured to go abroad (border) to settle down and lose their nationality, should carry my residence booklet, identity card (or household registration certificate) and a copy of the original, and proof of going abroad (border), to the village (neighborhood) committee to apply for cancellation of registration, fill out the "urban and rural residents' basic old-age insurance cancellation registration form".
Three, the insured has enjoyed the basic old-age insurance for urban workers and other social endowment insurance benefits, should carry my residence booklet, identity card (or household registration certificate) and a copy of the original, and other social endowment insurance benefits to receive proof materials, to the village (neighborhood) committee to apply for cancellation of registration, fill out the "urban and rural residents basic old-age insurance cancellation registration form".
People's Republic of China (PRC) social insurance law
Article 10
Employees shall participate in the basic old-age insurance, and the employer and employees shall jointly pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.
Article 11
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 12
The employing unit shall pay the basic old-age insurance premium according to the proportion of the total wages of its employees stipulated by the state, and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium in accordance with the proportion of wages stipulated by the state and record it in their personal accounts. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employing unit and other flexible employees who have participated in the basic old-age insurance shall pay the basic old-age insurance premiums in accordance with state regulations and record them in the basic old-age insurance pooling fund and individual accounts respectively.
Article 13
Before employees of state-owned enterprises and institutions participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government. When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.
Article 14
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.
Article 15
The 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.
Article 16
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.