1. Under what circumstances can I surrender my social security:
1, before reaching the statutory retirement age
Whether it is urban occupational insurance or urban residential insurance, the provisions for the surrender of old-age insurance are the same.
(1) The insured died unfortunately;
(2) If you go abroad to settle down or change your nationality, you can apply for surrender and liquidation;
(3) After the transfer of social security across provinces and cities, if duplicate payment is found at the same time, a copy with relatively low duplicate payment standard can be returned;
(4) Suffering from special circumstances such as accidental injury and severe disability, and living at home is difficult, special approval can be granted;
(5) Those who have served as soldiers, participated in social security before enlistment, and provided for the aged after retirement may apply for social security surrender and liquidation before enlistment.
2. Reach the statutory retirement age
Urban occupational insurance, urban residential insurance and endowment insurance have different provisions on surrender.
(1) employee social security
Old-age insurance is regarded as the payment period and the actual payment period, and the sum is less than 15, and he is unwilling to continue to pay to 15, delaying retirement procedures, unwilling to change to urban residence insurance, and voluntarily handles surrender liquidation.
(2) Social security for residents
The actual payment period of the old-age insurance is less than 15, and they are unwilling to pay back and go through retirement procedures, or they are unwilling to continue to pay to 15, delay retirement procedures and voluntarily go through surrender liquidation.
The characteristics of endowment insurance:
Social endowment insurance, the full name of social endowment insurance, consists of basic pension paid by social pooling fund and personal account pension. It is an important part of the social security system and one of the five most important social insurances. It is a social insurance system established by the state and society according to certain laws and regulations to solve the basic life of workers who reach the working age limit stipulated by the state or quit their jobs because of old age.
It is legislated and enforced by the state, and all enterprises, units and individuals must participate. Those who meet the conditions for receiving a pension can receive a pension from the social insurance department; The sources of social endowment insurance funds are generally shared by the state, units and individuals, or by units and individuals to achieve extensive social mutual assistance; Because of its strong sociality, great influence, large number of people enjoying it for a long time and huge cost, it is necessary to set up special institutions to implement unified planning and management of modernization, specialization and socialization.
Legal basis:
People's Republic of China (PRC) social insurance law
Sixteenth individuals who participate in the basic old-age insurance will receive the basic old-age pension on a monthly basis if they have paid for fifteen years at 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.
Twenty-seventh individuals who participate in the basic medical insurance for employees, when they reach the statutory retirement age, will no longer pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with state regulations; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.