However, social security repayment is only the part paid by individuals in the account, and the part paid by enterprises will be included in the overall fund.

Circumstances under which you can apply for social security refund:

According to the provisions of the Social Insurance Law, individual accounts of basic old-age insurance shall not be withdrawn in advance.

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

But in some cases, you can apply for social security permission:

First, double insurance.

Double insurance refers to the phenomenon that urban and rural residents participate in various social insurances at the same time due to urban-rural mobility, career and identity changes. Simply put, social security is paid in two places at the same time. This situation will be forced back, generally divided into two types:

First, cross-system repeated participation in insurance, that is, participation in social insurance for urban workers and urban and rural residents' insurance at the same time (such as participation in medical insurance for urban workers and medical care for urban and rural residents at the same time);

The second is the repeated participation system, that is, repeated participation in the same social insurance system across regions (such as participating in endowment insurance in two different cities at the same time);

According to the different situations of repeated insurance, refer to the following treatment measures.

Repeated participation system

1. If the students are enrolled in the household registration place and the school registration place repeatedly, only the enrollment relationship of the school registration place will be retained.

2. If the insured person is insured in two places at the same time, it shall be confirmed that the social security relationship is maintained in the place where the permanent residence is located.

3. If an employee participates in employee social security in two places at the same time, the employer shall truthfully confirm the social security relationship at the place of employment according to law, and the insured person shall terminate the repeated insurance relationship within the prescribed time limit and participate in the insurance at the place of employment.

4. If I am insured as a flexible employee in place A, and I am insured as a flexible employee in place B, I will confirm that I will keep my social security benefits in one place and terminate my social security relationship in another place.

5. If you participate in social security as a flexible employee in place A and participate in social security for local employees in place B because of joining a new unit, the employer shall truthfully confirm the social security relationship in the place of employment according to law.

6. If you continue to participate in employee social security in place B after going through social security retirement in place A, you should suspend the employee social security relationship and keep the social security retirement relationship.

Cross-system double insurance

1. The insured participates in the social security system for employees and urban and rural residents at the same time, and chooses to keep the social insurance for urban employees or urban and rural residents according to the insured's personal wishes.

2. Those who continue to participate in the urban and rural residents' security system in place B after handling the social security retirement of employees in place A shall suspend the social security relationship between urban and rural residents and retain the social security retirement relationship of employees.

Second, the accumulated payment at retirement is insufficient 15 years.

According to the implementation of

However, if you only pay it for a few years, you don't want to pay it back, and you don't want to transfer it to a resident pension. After reaching the statutory retirement age, you can apply for a refund.

Three. Death of the insured

According to the implementation of

If the insured dies unfortunately, his legal heir can go to the Social Security Bureau for a refund. If the application is passed, the individual contribution in the individual pension account of the insured person will be refunded.

If the insured retires and receives a pension before his death, the amount of the pension he receives shall be deducted when he returns the pension after his death.

Personal account inheritance amount = personal account storage amount at retirement-personal account monthly pension × collection months.

Fourth, immigration.

According to the detailed rules for the implementation of the Social Insurance Law, those who leave the country and settle down before reaching the conditions for receiving pensions may keep their personal accounts or apply for surrender.

If you plan to return to China for development in the future, it is better to keep your personal account. After all, you can receive a pension for life after paying the fixed number of years, which also provides a basic guarantee for the future pension life.

How to apply for social security refund?

The process of applying for social security refund is similar, and it is handled by the local social security agency. Let me sort out the process for you.

Repeated insurance

1, the insured person holds the ID card, proof of participation and other materials to apply to the social security agency where the household registration is located, and fills in the Application Form for Refund of Endowment Insurance for Urban and Rural Residents;

2, social security agencies after the audit, refund processing.

Insured persons who have not paid social security 15 years when they retire.

1, the insured shall apply to the social security agency to terminate the pension insurance relationship with ID card, social security card and other materials;

2, social security agencies after the audit, the refund of personal account balance.

The procedures and required materials may be different in different regions. You can call the local social security bureau to ask.

Remind everyone that applying for surrender is only the part paid by the individual in the personal account, and the unit will directly flow into the overall fund.