You can apply after death. You must have a death certificate and proof of the relationship between the handler and the deceased to go to the local social security bureau for refund. The money in the personal account balance of endowment insurance and the medical insurance account balance can be refunded. Funeral expenses and pensions can be paid after death. The original premium can be fully refunded to the personal account, and the medical expenses before death can be reimbursed according to the regulations. Bring the death certificate and social security card issued by the local police station and apply for a social security refund at the social security bureau of the insured place. Relatives or heirs who originally participated in the insurance and paid social security contributions can enjoy the following benefits:

(a) to receive the accumulated balance of the insured payer's personal account;

(2) Funeral allowance: 3 times the average monthly salary of employees in this Municipality in the previous year at the time of his death;

(3) One-time pension: if the dependent relatives are 1, 2 or 3 or more, they will be paid according to 6 times, 9 times and 12 times of the average monthly salary of employees in the previous year respectively.

1. Information required for surrender: endowment insurance manual; Original and photocopy of ID card; Application for surrender and relevant certification materials.

2. Surrender procedures: The above information is complete, and the pension, unemployment and work-related injury fund management center will print the personal account one-time payment approval form according to relevant policies and regulations; After being signed by the director in charge, report to the financial office of the center. Service commitment: handling pension, funeral expenses and personal account payment for enterprises and individuals, with complete procedures and immediate handling. Organizer: Pension, Unemployment and Work Injury Insurance Fund Management Center.

Third, matters needing attention:

Social security shall not be surrendered or returned except in the following circumstances. Reach retirement age, but fail to meet the condition of payment 15 years (the amount stored in personal account is paid in full); The insured dies for some reason (personal payment and interest); The insured settles abroad (personal payment and interest); After retirement, personal accounts (personal contributions and interest) still have a balance. The scope of personnel withdrawing personal accounts. Death at work; Insured living in rural areas; Persons who have not received the personal account pension of the deceased after retirement; Repeat, the insured. If a person dies due to illness or non-work-related, his survivors can receive funeral subsidies 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.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 14 Individual 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.

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their 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.