However, if 15 years has expired on time, according to the provisions of the Social Insurance Law of People's Republic of China (PRC), all insured persons who have participated in the basic old-age insurance and fulfilled their payment obligations can not only return the balance in the personal pension account of the deceased in full, but also receive funeral subsidies and pension benefits after their survivors die due to illness or non-work.

Because there is no unified national standard in this regard, it is formulated by various localities according to the local economic development, so there are differences between regions.

Employees who die at work and die after retirement can receive different fees.

If an on-the-job employee dies, the money that can be refunded by social security is the principal and interest of the individual payment part of the total amount stored in the personal account at the time of death.

After the death of a retired employee, the refundable amount is the balance of the personal account multiplied by the proportion of the personal payment principal and interest in the personal account to the total storage of the personal account at the time of retirement.