参保人去世养老保险白缴嘛-保险法律援助-法律咨询免费平台-国际律师联盟

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问题	参保人去世养老保险白缴嘛
释义	不是，按照国家政策规定,参加基本养老保险的人员死亡的个人账户,余额是可以继承的,并不会白缴。养老保险缴纳按规定是分为两个账户：一个个人账户，一个统筹账户。如果参保人意外死亡，个人账户里的余额是可以一次性支付给其法定继承人的，而统筹账户里的钱也就是单位缴纳的部分不退还。法律依据：《社会保险法》第十四条个人账户不得提前支取，记账利率不得低于银行定期存款利率，免征利息税。个人死亡的，个人账户余额可以继承。
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