Can I withdraw cash for five insurances and one housing fund?

Generally, it is not possible to withdraw cash.

Unemployment insurance is a monthly allowance when you are dismissed, and a lump sum if you are out of town, but you can only enjoy it if you pay it for more than one year.

Social security and medical insurance cannot be withdrawn in cash, and can only be swiped when you are sick.

If the provident fund is used to repay the housing loan, leave the city, and overhaul the house, it can be withdrawn, but if it meets certain circumstances, the requirements will be different in each region, and you can learn more about it on the official website of each place.

1) Employees who have any of the following circumstances may withdraw the balance stored in their housing provident fund accounts:

1. Purchase, build, renovate and overhaul self-occupied housing;

2. Resignation and retirement;

3. Completely lose the ability to work and terminate the labor relationship with the unit;

4. Leave the country to settle down;

5. Repayment of principal and interest of housing loans;

6. Terminate the labor relationship with the unit, and move out of the administrative area of Nanchang City without the household registration of the city or the household registration;

2) If an employee dies or is declared dead, his heirs or legatees may apply for withdrawal of the balance stored in the employee's housing provident fund account.

3) If an employee has serious difficulties in family life due to any of the following circumstances, he or she may apply to withdraw the savings in his or her and his spouse's housing provident fund account and use it for rent and property management fees.

1) Those who enjoy the minimum subsistence guarantee for urban residents;

2) The employee, his or her spouse or children suffer from nine major diseases;

3) Continuously unemployed for more than two years, and the per capita monthly income of the family is lower than the minimum wage standard for employees in the city in that year.

Can five insurances and one housing fund be withdrawn?

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

Legal analysis: Five insurances and one housing fund can be withdrawn, but not all can be withdrawn. Generally speaking, some of the five insurances and one housing fund can be withdrawn after resignation, medical insurance and pension insurance will be transferred to a new unit or your own place of residence, and maternity insurance and work-related injury insurance will be automatically lifted after resignation because you do not need to pay for it.

The main ones that can be withdrawn are unemployment insurance and housing provident fund. After leaving the job, you can go to the provident fund management center to withdraw the money in the account with the resignation certificate and other materials.

Legal basis: Article 16 of the Social Insurance Law of the People's Republic of China Individuals who participate in the basic endowment insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis. Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

The money for five insurances and one housing fund cannot be withdrawn.

Pension insurance has a personal account, and the ID number is the account number, which cannot be taken out, but can be transferred or received by issuing a pension through retirement. Medical insurance, maternity insurance, and work-related injury insurance cannot be withdrawn, but they can be used to reimburse medical expenses in case of illness.

Work-related injury insurance, unemployment insurance, and maternity insurance do not have personal accounts, and the insurance will be automatically released after resignation, but unemployment insurance can be received as long as it has been paid for one year and is not caused by personal reasons. 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 small deposit ownership belongs to the individual, after resignation just stopped saving money, but the money in the account is still personal, as long as it meets the provident fund withdrawal regulations, it can be withdrawn at any time, and it can also be renewed in the future, and it will never be invalid.

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. Article 16 Individuals participating in the basic endowment insurance who have paid contributions for 15 years when they reach the statutory retirement age shall receive the basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

Legal analysis: 1. Endowment insurance has a personal account, and the ID number is the account number

1. Stop payment, interrupt the payment period, and stop the accumulation of personal accounts, but as long as the time is not long, it will have little impact on the future;

2. Pay in full by the individual, that is, pay 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;

3. 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.

Second, medical insurance, there are also personal accounts, the treatment method after resignation is basically the same as endowment insurance, and the money in the personal account can continue to be used locally.

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.

Fourth, the 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 small deposit ownership belongs to the individual, after resignation just stopped 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 also be renewed in the future, and it will never be invalid.

Legal basis: Article 33 of the Regulations on Work-related Injury Insurance If an employee is injured in an accident or suffers from an occupational disease at work and needs to suspend work to receive medical treatment for work-related injuries, the original salary and benefits shall remain unchanged during the period of suspension with pay, and shall be paid by the employer on a monthly basis.

The period of suspension with pay shall not exceed 12 months. If the injury is serious or the circumstances are special, it may be appropriately extended upon confirmation by the labor ability appraisal committee at the districted city level, but the extension shall not exceed 12 months. After the work-related injury is assessed, the original benefits shall be suspended and the disability benefits shall be enjoyed in accordance with the relevant provisions of this Chapter.

If the injured employee still needs to be ** after the expiration of the period of suspension of work with pay, he or she shall continue to enjoy the medical treatment of work-related injury. If an injured employee who is unable to take care of himself needs nursing care during the period of suspension of work with pay, the unit to which he or she belongs shall be responsible.

First of all, it needs to be clear: among the five insurances and one housing fund, only the provident fund has the possibility of withdrawing, and social security can only be equivalent to "withdrawing" when receiving the pension after retirement.

In addition, there is a condition for the withdrawal of the provident fund: the location of the provident fund account cannot be the location of the household registration, otherwise the money can only be used when buying a house, and cannot be withdrawn directly.

CPF Withdrawal Materials:

1. The real estate certificate under the name of the person who is bored;

2. Go to the provident fund management center where you work to get the "Approval Form for Application for Withdrawal of Public Provident Fund", get back the seal of the unit and fill in the provident fund account number; Tan Di Qin.

3. For my ID card, I need to bring the above materials to the provident fund management center for review, and then go to the designated bank to withdraw cash.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"