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Can the old-age insurance be inherited if the employee dies before retirement?
After the employee dies before retirement, the old-age insurance can be inherited.

Endowment insurance is divided into two parts: basic pension pooling and personal account. If the insured dies, the personal account balance can be inherited in accordance with the law, whether at work or when receiving basic old-age insurance benefits.

Endowment insurance inheritance conditions include the following aspects:

1. Death while enjoying the old-age insurance benefits: if an employee dies while enjoying the old-age insurance benefits, his survivors can inherit his old-age insurance benefits and enjoy the treatment of heirs;

2. Death during the period of not enjoying the old-age insurance benefits: if an employee dies during the period of not enjoying the old-age insurance benefits, his survivors can inherit the account balance of his personal account of old-age insurance or enjoy the old-age benefits stipulated by the state;

3. Meet the inheritance qualifications: heirs need to meet the corresponding inheritance qualifications, such as spouses, minor children, adult children, etc. Different regions and policies may have different requirements for inheritance qualification.

Handling process of endowment insurance:

1. Registration: you need to register the old-age insurance at the social security agency or the employer, fill in personal basic information, identity certificate and other related materials, and complete the registration procedures;

2. Payment declaration: The employer shall submit the payment declaration form to the social insurance agency within the prescribed time limit to declare the employee pension insurance payment. The payment declaration form includes the employee's name, ID number, payment salary, payment month and other information;

3. Payment accounting: the social insurance agency accounts for the payment declaration form submitted by the employer, calculates the endowment insurance premium that the employee should pay, and issues a payment notice to the employer within the prescribed time limit;

4. Payment: The employer shall pay the employee pension insurance premium to the payment account designated by the social insurance agency according to the payment amount and payment time limit specified in the payment notice;

5. Pension application: After retirement, employees need to apply for a pension from social security agencies. Before applying for a pension, you need to prepare relevant proof materials, such as identity certificate, retirement certificate, bank card, etc. , fill in the application form and submit it to the social security agency for review.

To sum up, when workers apply for endowment insurance, they need to carry out specific operations according to local regulations. At the same time, employees should pay endowment insurance premiums in full and on time to ensure their pension benefits.

Legal basis:

Article 14 of the Social Insurance Law of People's Republic of China (PRC)

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.