According to "Social Insurance Law", personal account pension has the nature of compulsory savings and belongs to individuals. If an individual dies (including before and after retirement), the pension balance in the personal account can be inherited.
In case of death due to illness or non-work-related reasons, the survivors can receive funeral subsidies and survivors' pensions. Funeral allowance and survivor's pension are also part of the employee's pension insurance benefits.
(1) Funeral allowance is a subsidy for employees to bury and handle funeral affairs after death. There is no uniform standard in China at present. Judging from the regulations in some places, funeral subsidies are generally paid according to a certain number of years of the average monthly salary of local employees at the time of their death. For example, in Dalian, the funeral allowance was the average social wage of the whole city for three months in the previous year.
(2) Survivor's pension is the economic compensation and spiritual comfort given to employees' families after their death. Survivors' pensions vary from place to place, and some do not stipulate pensions, but only provide monthly assistance to survivors; Some provide one-time pensions and monthly living allowances for survivors. For example, in Dalian, dependent immediate family members can receive a one-time relief subsidy according to the average social wage of last year 10 month, and they can also receive a relative relief subsidy according to the sum of local living difficulties subsidy standards and price subsidies.
2. Social security benefits for disability due to illness or non-work.
Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. Disability allowance is the economic compensation given by the basic old-age insurance fund to the above-mentioned special insured persons. Sick and disabled allowance is a new system. At present, there is no corresponding allowance standard, and corresponding supporting regulations need to be issued.
2. When a person dies, the original medical insurance can be returned to the personal account.
According to the relevant regulations, after the death of the insured in enterprises and institutions, the relatives of the insured will issue the death certificate and cremation certificate of the insured. After the insured unit fills in the application form for terminating the social insurance relationship, it will go to the service hall of the County People's Social Security Bureau to handle the procedures for terminating the social insurance personal account. After examination and approval, all the balance in the account before the month of the insured's death will be returned to the account of the insured unit. The returned balance is regarded as heritage, and then the insured unit issues it to the legal heir or designated beneficiary of the insured.
If the insured person is a flexible employee without a work unit, after his death, his file custody institution, such as the county public employment service center, will handle the termination procedures of the social insurance personal account for the insured person. After the death of the insured, all the balance in the personal account will be returned to the account of the agency, and then the agency will issue it to the legal heir or designated beneficiary of the insured.
Medical insurance refers to the basic medical insurance premium paid in full and on time by employers and employees according to the principle of compulsory social insurance through national legislation. If it is not paid in full and on time, the basic medical insurance fund will not pay its medical expenses regardless of individual accounts.
Medical insurance is insurance to compensate medical expenses caused by diseases. Social insurance in which employees are provided with necessary medical services or material assistance by society or enterprises due to illness, injury or childbirth. For example, free medical care and labor insurance medical care in China.
The medical expenses of employees in China are shared by the state, units and individuals to reduce the burden on enterprises and avoid waste. Insurance liability accidents need to be handled, and the insurance money will be paid in proportion.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.