Can five insurances and one housing fund be withdrawn?

1.With regard to the withdrawal of social insurance, according to Article 14 of the Social Insurance Law, personal accounts shall not be withdrawn in advance, and the interest rate shall not be lower than the bank fixed deposit interest rate, and interest tax shall not be levied. In the event of the death of an individual, the balance of the personal account may be inherited.

The social security card is divided into a bank account and a social security account, and as long as there is money in the bank account, it can be accessed at will, but there is no balance in the social security account, in fact, the social security account is only a carrier that records personal social security information, which includes five types of insurance, including pension, medical care, work injury, unemployment, and maternity. As for the pension, we need to pay for a total of 15 years before we can receive it, and this money can ensure our minimum living needs and live a dignified old age.

2.Regarding the withdrawal of the provident fund, according to the provisions of Article 24 of the Regulations on the Administration of Housing Provident Fund, the following conditions must be met:

1) Purchasing, constructing, renovating, or overhauling owner-occupied housing;

2) Retired or retired;

3) Completely lose the ability to work and terminate the labor relationship with the employer;

4) Those who leave the country to settle down;

5) Repayment of principal and interest of housing loan;

6) The rent exceeds the prescribed proportion of the family's wage income.

67.Can I take out five insurances and one housing fund?

If you pay the money yourself, after the retirement procedures are completed after retirement, if you do not pay for 15 years, the balance of the personal account will be withdrawn to you at one time, and if you pay for 15 years, the social security institution will issue a pension and receive a pension on a monthly basis. The medical insurance money goes directly into the medical insurance card, and it can be used directly when you usually look at and buy medicine.

The money in the five insurances and one housing fund can not be withdrawn by yourself under normal circumstances. Five insurances and one housing fund refer to the collective name of several types of protective benefits given by employers to employees, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, maternity insurance, and housing provident fund.

"Five insurances" refers to five types of insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

"One gold" refers to the housing provident fund. Among them, endowment insurance, medical insurance and unemployment insurance, these three types of insurance and housing provident fund are the premiums paid by enterprises and individuals, and work-related injury insurance and maternity insurance are completely borne by enterprises and do not need to be paid by individuals.

The payment of social insurance is a mandatory requirement of the state, not a matter of wanting to pay or not, please note that the state documents are written to pay, and the payment has a mandatory meaning, and the meaning of payment is different, if you do not pay, you will be punished accordingly.

The housing provident fund is a "payable" item, which should be legally necessary, and the payment also shows that it is an obligation.

[Legal basis].

Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, etc. Article 14 Personal accounts shall not be withdrawn in advance, and the interest rate shall not be lower than the interest rate of bank fixed deposits, and interest tax shall be exempted. In the event of the death of an individual, the balance of the personal account may be inherited.

Article 24 of the Regulations on the Administration of Housing Provident Fund can withdraw the balance of the housing provident fund account of employees if the following conditions are met:

1) Purchasing, constructing, renovating, or overhauling owner-occupied housing.

2) Retired or retired.

3) Completely losing the ability to work and terminating the labor relationship with the unit.

4) Leaving the country to settle down.

5) Repayment of principal and interest of housing loans.

6) The rent exceeds the prescribed proportion of the family's wage income.

I'm glad for your question, if you surrender the insurance, you can only take out the personal part, and the part of the company you personally bear is not taken out of the national overall account.

And there are certain conditions for surrender.

If you don't have the relevant conditions, you can't surrender the policy, I hope it can help you.

Questions. Can't you take out the part you paid when you leave your job?

Employee social security includes two parts, one is the personal part and the other is the company part. For the company part, this part of the money is credited to the national pooled account, and only the personal part of the money can be entered into your personal account.

Therefore, the surrender can only refund the balance of your personal account, and the national overall account number will definitely not be refunded.

Questions. Can the part paid by the individual after leaving the company be withdrawn?

No, you need to surrender the policy to get it.

No, you need to surrender the policy to get it.

Questions. Can I surrender my insurance if I leave my job?

1. Settle abroad; 2. Death; 3. Repeatedly participate in insurance during the same period; 4. When you reach the statutory retirement age and have paid contributions for less than 15 years, you request not to be transferred to rural insurance or urban insurance, and have a written application. Basically, you can go through the surrender procedure in these cases. The fourth case can only be handled before retirement.

In other cases, it is not allowed to surrender the policy, and can only transfer or continue the pension insurance relationship.

The above situations can be surrendered.

Questions. You can't surrender your insurance if you leave your job.

No, I can't. Questions.

That is, the part of the personal contribution after leaving the job cannot be withdrawn.

That's a blank exchange.

If it will not be paid in vain, it can be paid again in the future. After accumulating the number of years, you can go through the retirement procedures and receive a pension.

Pension insurance has a personal account and cannot be withdrawn; Medical insurance, maternity insurance, and work-related injury insurance cannot be withdrawn, but they can be used to reimburse medical expenses when they are sick; Work-related injury insurance, unemployment insurance, and maternity insurance do not have personal accounts, and unemployment insurance only needs to be paid in full.

1. Can five insurances and one housing fund be taken apart?

1. Whether the five insurances and one housing fund can be withdrawn are as follows:

1) Endowment insurance has a personal account and cannot be withdrawn;

2) Medical insurance, maternity insurance, and work-related injury insurance cannot be withdrawn, but they can be exercised by reimbursing medical expenses when they are sick;

3) Work-related injury insurance, unemployment insurance, and maternity insurance do not have personal accounts, and unemployment insurance can be received as long as it has been paid for one year;

4) Housing provident fund, as long as it meets the requirements for the withdrawal of provident fund, can be withdrawn at any time.

2. Legal basis: Article 2 of the Social Insurance Law of the People's Republic of China.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

2. What are the conditions for the payment of five insurances and one housing fund?

1. Establish a labor contract relationship with the employer and sign a labor contract;

2. The employer is an enterprise in China that has legally gone through the business license and other formalities, and shall register for social security and housing provident fund as required;

3. Be a legal citizen of Chinese nationality; Royal Defense.

4. It has nothing to do with household registration, regardless of whether it is urban, rural, foreign or local, you can apply for five insurances and one housing fund.

Legal Analysis] The provident fund can be withdrawn, but the five insurances cannot be withdrawn, and the situation of various insurances is different. Among the five insurances, the conditions for receiving pension insurance are to reach the statutory retirement age and pay social security premiums for 15 years; Unemployment insurance is eligible for unemployment insurance. 1. Endowment insurance has a personal account, and the ID number is only the account number, which cannot be taken out, but can be transferred or received by issuing retirement pensions.

Second, the balance of the rest, medical insurance, maternity insurance, and work-related injury insurance cannot be withdrawn, but it can be exercised by reimbursing medical expenses when you are sick. 3. Work-related injury insurance, unemployment insurance, and maternity insurance do not have personal accounts, and the insurance will be automatically lifted after resignation, but unemployment insurance can be received as long as it has been paid for one year and unemployment is not caused by personal reasons. Four sedan car slow rolling, housing provident fund, there are personal accounts, enterprises and individuals pay fees, all form the total amount of personal accounts, just like the bank's deposit ownership belongs to the individual, after resigning just stop saving money, but the money in the account is still yours, as long as it meets the provident fund withdrawal regulations, you can withdraw at any time, and you can also renew it in the future, and it will never be invalid.

Legal basis] Social Insurance Law of the People's Republic of China Article 14 Personal accounts shall not be withdrawn in advance, and the interest rate shall not be lower than the interest rate of bank fixed deposits, and interest tax shall be exempted. In the event of the death of an individual, the balance of the personal account may be inherited.

Summary. For your problem, I make the following solutions: Hello, five insurances and one housing fund refer to social insurance and housing provident fund, including endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and housing provident fund.

These insurances and provident funds are established to protect the basic rights and benefits of employees, so they cannot be withdrawn at will under normal circumstances. However, in some special circumstances, employees can apply for the withdrawal of social insurance and housing provident fund, such as:1

Employees who are unemployed for a long time or suffer from serious illnesses and need financial support; 2.Employees who have retired or left their jobs can apply for the withdrawal of pension and housing provident fund; 3.In some special circumstances, such as house purchase, mortgage repayment, children's education, etc., employees can also apply for the withdrawal of housing provident fund.

It should be noted that employees need to meet the relevant regulations and conditions for withdrawing social insurance and housing provident fund, otherwise they may be denied. In addition, there are certain restrictions on the amount of withdrawals, which generally cannot exceed a certain percentage of the balance of the personal account. 殺

Hello Dear For your problem, I make the following solutions to Kuanchangyu: Hello, five insurances and one housing fund is Shenyan refers to social insurance and housing provident fund, including endowment insurance, medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and housing provident fund. These insurances and provident funds are established to protect the basic rights and benefits of employees, so they cannot be withdrawn at will under normal circumstances.

However, in some special circumstances, employees can apply for the withdrawal of social insurance and housing provident fund, such as: 1Employees who are unemployed for a long time or suffer from serious illnesses and need financial support; 2.

Employees who have retired or left their jobs can apply for the withdrawal of pension and housing provident fund; 3.In some special circumstances, such as house purchase, mortgage repayment, children's education, etc., employees can also apply for the withdrawal of housing provident fund. It should be noted that employees need to meet the relevant regulations and conditions for withdrawing social insurance and housing provident fund, otherwise they may be denied.

In addition, there are certain restrictions on the amount of withdrawals, which generally cannot exceed a certain percentage of the balance of the personal account. 殺

In addition to the loss of five insurances and one housing fund, there are some other benefits, such as year-end bonuses, paid leave, holiday benefits, etc., which are also set up to protect the interests and welfare of employees. However, it is also necessary to comply with the relevant regulations and conditions, and cannot be taken out at will. 