Can five insurances and one housing fund be refunded? Is it okay to step back from the company if yo

1. Endowment insurance has a personal account, the ID number is the account number, and there can be three ways to deal with it after resignation: First, stop paying fees, form a payment period interruption, and stop the accumulation of personal accounts, but as long as the time is not long, it will have little impact on the future; The second is to pay the full amount by the individual, that is, to pay the part of the past together with the part paid by the enterprise without interrupting the payment, but it is not cost-effective for the individual to bear a heavier burden; Third, if you go to other places to seek employment, you can go through the insurance transfer procedures and go to a new employment area. Either way, you can find a new employer and continue to pay according to the original account, and you don't need to make up the payment, but you can't get a refund.

2, medical insurance, there are also personal accounts, after resignation treatment methods are basically the same as endowment insurance, the money in the personal account can continue to be used locally, but at present can not be transferred, the state has introduced the relevant transfer measures, after July 1 this year, the local ** issued implementation rules can be implemented. 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 the payment has been paid for one year and unemployment is not caused by personal reasons. 4. 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 fractional deposit ownership belongs to the individual, after resignation, just stop saving money, but the money in the account is still yours, as long as it meets the provident fund withdrawal regulations, it can be withdrawn at any time, and it can be renewed in the future, and it will never be invalid.

It can be refunded, it can be renewed within a certain period of time

Legal analysis: none of the five insurances and one housing fund can be refunded. Unless the following 3 conditions apply:

First, when the insured dies, the heirs can receive the personal part paid by the insured, with a small amount of money. Second, the insured reaches the retirement age, but the payment does not meet the retirement period, and is unwilling to continue to pay, so the personal part of the insured can also be refunded. The third is to settle abroad, renounce Chinese nationality, cancel the household, and also refund the personal part paid by the insured.

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

Article 2: 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, and so forth.

Article 3: The social insurance system adheres to the principles of wide coverage, basic protection, multi-level, and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.

Legal analysis: As long as the conditions are met, the five insurances bought by the company can be refunded, but only the part paid by the company can be refunded, and the part paid by the company cannot be refunded.

Legal basis: Article 14 of the 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.

1. Can the five insurances and one housing fund paid in the unit be refunded?

1. The first five insurances and one housing fund can be refunded, but his surrender is subject to strict regulations, and only if certain conditions are met can the insurance be surrendered, and not all of them can be refunded, only this part of our personal payment can be returned.

2. Legal basis: Article 14 of the Social Insurance Law of the People's Republic of China.

Personal accounts are not allowed to be withdrawn in advance, and the interest rate on accounting 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.

2. Can the social security paid by the unit be refunded?

You can return, but you have to do it on a case-by-case basis. Social security is divided into individual payment part and unit payment part, the unit payment part directly into the overall account, this part is non-refundable, and the individual payment part enters the personal account, this part is refundable. The refundable contributions of individuals include pension and housing provident fund, and other insurances are non-refundable.

The employer shall pay the basic pension insurance premiums in accordance with the proportion of the total wages of its employees stipulated by the state, and record it in the basic pension insurance pool**. Employees shall pay basic pension insurance premiums in accordance with the proportion of their wages stipulated by the state, which shall be credited to their personal accounts. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexibly employed persons who participate in the basic pension insurance shall pay the basic pension insurance premiums in accordance with the provisions of the state, which shall be credited to the basic pension insurance co-ordination and personal accounts respectively.

Legal analysis: There are strict conditions for social insurance surrender, and only the following circumstances can be surrendered: 1. The insured person has reached the retirement age and has not paid for 15 years; 2. Repeat insurance and terminate labor relations can be surrendered; 3. The insured person settles abroad; 4. Death of the insured person.

The surrender procedures are as follows: the insured unit has gone through the procedures for the employee to suspend the insurance and pay the outstanding social security premiums.

Legal basis: Social Insurance Law of the People's Republic of China Article 1 This Law is enacted in accordance with the Constitution in order to regulate social insurance relations, safeguard the legitimate rights and interests of citizens to participate in social insurance and enjoy social insurance benefits, enable citizens to share the fruits of development, and promote social harmony and stability.

Five insurances and one housing fund cannot be refunded. After leaving the company, the employee can continue to pay social insurance as a freelancer, or he can transfer to the account of the new company, and the new company can continue to pay social insurance. If the new company is in the same city and enters the new employer, the employer will help the employee pay the five insurances and one housing fund that was previously severed.

If the medical insurance is cut off for more than 3 months, the agency in the place where it is transferred will not pay the medical expenses during the unpaid period. If you have not paid medical insurance for more than 3 months, you will not be reimbursed for the medical expenses during the period of non-payment of medical insurance, and you need to pay the full amount by yourself. According to the Insurance Law of the People's Republic of China, after the insurance contract is established, the policyholder shall pay the insurance premium according to the agreement, and the insurer shall begin to bear the insurance liability according to the agreed time.

"Five insurances and one housing fund" are jointly paid by the employer and the employee as stipulated by the state. Among them, the employer is required to pay five insurances and one housing fund in proportion, which cannot be refunded after payment; Individuals only need to pay three insurances and one housing fund, namely pension, medical care, unemployment and provident fund, and the part of the personal payment credited to the personal account can be refunded if certain conditions are met.

Extended rock leak reading: [Rock jujube lead insurance] How to buy, which is better, teach you to avoid these insurance"pits"

In the past, he paid five social insurances and one housing fund normally in the original unit, but now he chooses to leave the original unit. So, can I return the money I paid for five insurances and one housing fund to myself? In fact, the five insurances and one housing fund we paid cannot be refunded.

The five insurances and one housing fund paid mainly include five categories: pension insurance, medical insurance for urban employees, unemployment insurance, work-related injury insurance and maternity insurance, as well as housing provident fund. In fact, for you, it is you who participate in the insurance yourself, and it is you who ultimately get the rights. In fact, there is no need to opt out.

In the process of paying five insurances and one housing fund, it is established according to your labor contract relationship. If you have an employment contract with your previous employer, your employer will provide you with normal insurance coverage for the duration of the employment relationship. There's no problem with that.

When you leave your employer, you have terminated your employment contract with your previous employer. At this time, your social security will also be in a state of suspension of payment, so what we do is not to withdraw the money that has been paid for five insurances and one housing fund, but to transfer the social security relationship normally.

In the process of transferring social security relations, it is usually only necessary to transfer the pension insurance and medical insurance for urban employees. Although unemployment insurance can also transfer the accumulated years, in general, the probability of using unemployment insurance is relatively low for most people, and the need for transfer is relatively small. Work-related injury insurance and maternity insurance do not need to be transferred, because work-related injury insurance is a pay-as-you-go principle, and even if it is transferred, it has no meaning for yourself.

Maternity insurance must be paid for 12 consecutive months before a female employee gives birth to a child in order to enjoy the corresponding benefits. If interrupted, it would be pointless.

So we only need to transfer endowment insurance and medical insurance, and of course, the housing provident fund is only early shooting, but there are two options for this housing provident fund. One option is to transfer, for example, if you find a new unit, the work unit will also give it to you, if you pay five fingers of envy insurance and one housing fund normally, in this case you can transfer. But if you don't find a new unit, or the new unit doesn't give you a housing provident fund, you don't need to transfer, then as long as we don't have a housing provident fund loan, or we don't have a "t use the housing provident fund to buy a house."

After the account is cancelled, you can choose to withdraw the balance of the housing provident fund.

This is what we need to do when we leave our old workplace. Generally, you only need to choose to withdraw the housing provident fund and transfer the endowment insurance and medical insurance. As for the money you paid for yourself, it is absolutely impossible.

After all, you've completed the corresponding accumulation years, which is also a good thing for you personally. If you can get a refund, then your cumulative payment period will not be calculated normally, so it is unrealistic to say that this is not true, and of course it is not good for me.