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Can I withdraw the money from social security? Under what circumstances can pension be withdrawn

As for social insurance, I believe many friends know it. It includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. Everyone should pay social security, and then they can enjoy social security treatment, which is very cost-effective and necessary. But some friends may want to ask: can the money in social security be withdrawn? The following editor will tell the blow about social security.

One

Medical insurance

There are two accounts of employee medical insurance, i.e. general account and personal account. You can use the money in the personal account to buy medicine in the drugstore and seek medical treatment in the outpatient department. But according to the regulations, the money in the personal account can only be used for these purposes and cannot be withdrawn. However, the money in the pooling account cannot be withdrawn, and only the resident medical insurance in the pooling account cannot be withdrawn.

However, Beijing is an exception. The personal account of employee medical insurance in Beijing is a bank passbook that can be withdrawn, but it is not allowed in most parts of the country.

Two

endowment insurance

The fees paid by endowment insurance are managed by two accounts, that is, the individual account of the endowment insurance fund paid by the employees and the overall account of the endowment insurance fund paid by the unit for the employees.

If the pension needs to be withdrawn, it can only take the amount in the individual account of the individual payment part. The withdrawal amount depends on the payment time period and the payment base.

But!! the individual payment part of endowment insurance can not be withdrawn at will. According to the state regulations, pension can only be withdrawn if one of the following conditions is met:

First, the insured can apply in writing to terminate the basic endowment insurance relationship of the employees at the time of departure or after departure, and the amount stored in the individual account shall be paid to the insured once;

Second, if the insured dies before the retirement age, the money in the personal account can be inherited as an inheritance;

Third, the insured has reached the retirement age (men over 60 years old and women over 50 years old), but the payment is less than 15 years old. At this time, you can withdraw the money in the balance of the account, and of course, you can choose to make up the pension for 15 years at a time, and then get it on a monthly basis. (no retirement age delay)

The purpose of paying the endowment insurance premium is to ensure that the insured have the security for the aged. In case of current difficulties, you can choose to stop payment and pay it after the economy is abundant, or choose to pay for 15 years at the end of the year, and enjoy pension treatment according to relevant national policies after reaching the legal retirement age.

If the old-age insurance needs to be paid again in another city due to other reasons, the old-age insurance transfer can be applied for in the local social security bureau where the old-age insurance is paid.

If there is a situation that cannot be transferred: the insured reaches the legal retirement age, but the accumulated payment is less than 15 years, and I am not willing to continue to participate in the insurance payment, and can not be transferred into the social endowment insurance of urban residents, the individual account deposit can be paid to me in one time.

Three

Maternity insurance, work injury insurance and unemployment insurance

As for the maternity insurance, work-related injury insurance and unemployment insurance in social security, as long as you work in the enterprise, they are all paid by the unit, which can be said to be the welfare of the employees. Only when they meet the conditions can they enjoy the insurance benefits.

As long as you are working in an enterprise, you must pay unemployment insurance. If you don't have a job and don't want to pay it, you can get an unemployment insurance benefit as long as you meet the following three conditions:

(1) The employer and the employer have paid unemployment insurance premium for one year before unemployment;

(2) Those who do not interrupt employment because of their own will;

(3) Unemployment registration has been carried out and there are job requirements.

Industrial injury and childbirth are two kinds of insurance paid by the company at the time of employment. Only when there is an industrial injury or childbirth can you enjoy it. If you stop paying the part that the company gives you, you can't return it!

Four

Relevant knowledge points

One

The first new generation of social security card is made according to the national unified standard, and has complete social security service function and bank service function, so as to realize multiple functions of one card and universal nationwide.

Two

The front side of the new generation of social security card has the cardholder's photo, name, social security card number, bank card number and other information, and the back side is "social security card of the people's Republic of China".

Three

The new social security card not only has the functions of insurance information inquiry, social security payment, treatment collection, expense settlement, but also can be used as a general UnionPay debit card, with the financial functions of cash deposit and withdrawal, transfer, consumption, financial management, etc. In the past, the social security card was only used for the personal account of basic medical insurance of employees, and it did not realize the issuance of full social security benefits, nor the query function of social security insurance information.

Four

Citizens can query their social security information by any means, such as online banking, mobile banking, telephone banking, POS machine, etc.

Five

The financial function of the new social security card is separate from that of the social security card. That is to say, when the citizens use the card on the ordinary POS machine when shopping, they start the financial function of the card, that is, it has the functions of access and consumption. However, the social security amount contained in the social security card can only be queried, not consumed.