First, understand the composition of social security accounts.
Social security accounts mainly include personal accounts such as endowment insurance, medical insurance and unemployment insurance, and the funds in these accounts are accumulated when the insured pays social insurance premiums. After the death of family members, the handling of funds in these accounts has become a problem that needs attention.
Two. Procedures for withdrawing funds from social security accounts
Prepare relevant supporting materials.
To withdraw funds from the social security account, it is necessary to provide a series of proof materials, including but not limited to death certificate, heir identity certificate, kinship certificate, etc. These materials are used to prove the identity and qualification of the extractor.
Consult the local social security agency.
Different regions may have different regulations and operating procedures for the withdrawal of funds from social security accounts. Therefore, the extractor should first consult the local social security agency to understand the specific extraction policy, required materials and handling procedures.
Fill in the application form and submit the materials.
After understanding the relevant regulations, the extractor needs to fill in the application form as required and prepare complete relevant certification materials. Then, submit the application form and materials to the social security agency for review.
Pending review and formalities.
The social security agency will review the submitted application materials to confirm whether the identity and qualification of the extractor meet the extraction conditions. After the approval, the payer needs to go through relevant procedures in accordance with the guidelines of the social security agency, such as signing relevant documents and collecting withdrawal money.
Third, matters needing attention
Payers should pay attention to the following points when withdrawing funds from social security accounts:
1. Ensure that the information provided is true, complete and accurate, and avoid extraction failure due to incomplete or unqualified information.
2. Pay attention to the extraction time limit to avoid missing the specified extraction time limit.
3. Abide by relevant laws and policies, and do not take illegal means or methods to extract.
To sum up:
After the death of family members, they can withdraw the funds from their social security accounts, but they need to follow certain procedures and policies. Extractors need to know the composition and extraction process of social security accounts, prepare relevant supporting materials, consult local social security institutions, and fill out application forms and go through formalities as required. At the same time, the extractor should also pay attention to abide by relevant laws and policies to ensure the legality and compliance of the extraction process.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 14 stipulates:
Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.
People's Republic of China (PRC) inheritance law
Article 3 provides that:
Legacy is the personal legal property left by a citizen when he dies, including:
Citizens' income;
(2) Houses, savings and daily necessities of citizens;
(3) Citizens' trees, livestock and poultry;
(4) Cultural relics, books and materials of citizens;
(five) the means of production that the law allows citizens to own;
(six) the property rights in the copyright and patent rights of citizens;
(7) Other lawful properties of citizens.