Legal analysis: The pension insurance paid can be collected in advance. Under normal circumstances, pension insurance can only be received after reaching the legal retirement age and accumulating contributions for 15 years. However, if you completely lose the ability to work before reaching the legal retirement age, you can receive disability allowance, and the required funds will be from the basic pension Paid from insurance funds.

Legal basis: "Social Insurance Law of the People's Republic of China"

Article 16 Individuals participating in basic pension insurance must have paid cumulative contributions for fifteen years when they reach the statutory retirement age. , receive a basic pension on a monthly basis.

Individuals participating in basic pension insurance who have paid less than fifteen years of cumulative contributions when reaching the legal retirement age can pay for fifteen years and receive a basic pension on a monthly basis; they can also transfer to a new rural social pension system Insurance or social pension insurance for urban residents, and enjoy corresponding pension insurance benefits in accordance with the provisions of the State Council.

Article 17 If an individual participating in the basic pension insurance dies due to illness or non-work-related reasons, his or her surviving family members may receive funeral subsidies and pensions; Those who are disabled due to work and completely lose the ability to work can receive disability allowances. The required funds are paid from the basic pension insurance fund.