Legal analysis: According to the provisions of China's Social Insurance Law, the balance in the social security account cannot be withdrawn in advance, and the pension insurance can only be collected after the statutory payment period reaches retirement age. Medical insurance can only be reimbursed when seeking medical treatment.

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

Thirteenth employees of state-owned enterprises and institutions to participate in the basic old-age insurance, the basic old-age insurance premiums payable during the payment period shall be borne by the government.

When the basic old-age insurance fund is insufficient to pay, the government gives subsidies.

Article 14 Individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted.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.