The specific return process of the personal account of the old-age insurance is as follows:

1. Personal retirement return: If an individual reaches the legal retirement age or loses the ability to work due to illness or other reasons, he can apply for old-age insurance benefits. At the same time, individuals can also choose to receive the balance in their personal accounts for endowment insurance. Relevant certification materials, such as ID card, work certificate, retirement certificate, etc., are required when applying. After examination and approval, the balance in the personal account of endowment insurance can be returned in one lump sum or monthly, and the specific return method depends on local policies and regulations;

2. death return of the insured person: if the insured person dies during the payment period, the balance in his personal pension account can be returned to his legal heir or designated beneficiary. Relevant supporting documents, such as death certificate, inheritance certificate, beneficiary certificate, etc., are required when applying. After approval, the balance in the personal account of endowment insurance can be returned in one lump sum or monthly, and the specific return method depends on local policies and regulations.

Personal account pension payment conditions are as follows:

1. Age conditions: Personal account pension is paid to employees aged 16 to 6, with the retirement age of 6 for men and 5 for women (except special professionals);

2. Insured status: Personal account pension is paid to on-the-job employees and flexible employees, and needs to be paid in local social security institutions or social security agencies;

3. payment base: the payment base of personal account pension is stipulated by the local government and remains stable during the payment period, generally it is the payment base for participating in the basic old-age insurance for local urban workers;

4. payment period: the payment period of personal account pension is 15 years or more, but the specific payment period depends on local policies and regulations.

To sum up, the payment conditions of personal account pension in different regions may be different, so it is recommended to carefully understand the local policies and regulations before payment. In addition, for freelancers and part-time employees, you can choose the appropriate old-age security method according to your personal situation.

Legal basis:

Article 12 of the Social Insurance Law of the People's Republic of China

The employer shall pay the basic old-age insurance premium in proportion to the total wages of its employees as stipulated by the state and record it in the basic old-age insurance pooling fund. Employees shall pay the basic old-age insurance premium according to the proportion of their wages stipulated by the state and record it in their personal accounts.

Article 15

The basic pension consists of overall pension and individual account pension. The basic pension is determined according to factors such as individual cumulative payment years, payment wages, average salary of local employees, personal account amount, average life expectancy of urban population, etc.