If you die without paying social security, the money will be refunded. When the social security payer dies, it is necessary to cancel the social security account. With the death certificate issued by the relevant hospital or the cremation certificate issued by the funeral home, you can bring the insured's ID card and personal account manual of endowment insurance to the social security management center where the insured is located to apply for cancellation. At that time, social security will return the balance of personal account to his heir for inheritance.

Social security surrender procedures are as follows:

1, the insured unit has gone through the formalities of stopping insurance for the employee and paid the social security fee owed;

2, fill in the "pension insurance surrender unemployment insurance one-time living allowance declaration form" (unit seal);

3. Original and photocopy of the insured's ID card1;

4. I will go to the last social security bureau;

I went to the bank to get the surrender money.

Legal basis: Article 64 of People's Republic of China (PRC) Social Insurance Law.

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country.

The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it.

The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.