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交了几年社保,现在不想交了,以前交的钱能退还吗?

2017-06-23 11:36:37   

大家都知道,公积金可以随时提取,那社保卡里面存的钱能随时提取,或者我不交社保了,以前交过的那些钱能返还吗?

交了几年社保,现在不想交了,以前交的钱能退还吗?

在交了几年社保之后放弃参保的原因有很多,有的是因为经济压力,还有的是因为的确感觉这个没用,还有的是因为要移民或者其他,于是大家都在询问我可以拿回以前的钱么?

按照国家政策,正常情况下,退休以前,个人账户没有办法进行提取操作的,简单直白点就是不会给你退还社保费用。毕竟社保这个东西也是国家一项工程之一,并不是平时小打小闹搞小买卖。

交了几年社保,现在不想交了,以前交的钱能退还吗?

不过,国家政策也是有考虑到特殊情况,那以下情形社保费用是可以退还给缴纳者的。

1 到了退休年龄,但是养老保险却未缴纳满15年。此时可以去有关部门申请终止养老保险关系。受理完成后,以前缴纳的费用会一次性返还本人。

2 意外死亡。如果缴纳社保后,缴纳者因意外死亡,个人账户中个人缴费本息可以继承。如果是职工在职期间死亡,那可以拿走死亡时个人账户全部储存额中的个人缴费本息部分。

第一种情形是,如果你要等到达到退休年龄,你的养老保险缴费不足15年,那么就可以申请终止其养老保险关系,这时,个人账户储存额会一次性支付给本人。

3 移民外国。此时你获得了其他国家的国籍,并且已经完全放弃中国国籍,那此时也可以申请终止养老关系,且受理后一次支付以前个人缴纳金额。

交了几年社保,现在不想交了,以前交的钱能退还吗?

当然了,你拿到还只是个人的那一部分,至于以前单位那一部分钱,这个按国家流程就进入了社保基金中。

如果你仔细观察,很多人都说社保没有用,年龄限制太多,其实大家错了,虽然要享受这个养老金带来的福利还要等好多年,但是还不能中断,要不然就前功尽弃了。另外,在许多城市,社保和众多福利是挂钩的,所以还需要慎重考虑。

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