Some time ago, a major corruption case involving false claims of pensions for deceased persons caused quite a stir.

According to the report: Between 2015 and 2021, the party involved, Yang, colluded with the person in charge of the township labor station, collected more than 900 social security cards of deceased persons, and illegally obtained 17 million yuan in pensions.

If it hadn't been for that night in 2021, when he used 612 social security cards to withdraw 150,000 in cash, which triggered the automatic alarm of the ATM due to the long running time, this case would probably still be kept in the dark.

After the case surfaced, netizens were very surprised: This fake pension claim didn’t just happen in a day or two. It lasted for several years, and no one discovered it? Doesn’t it take verification to receive a pension to see if you are the person you are? An annual survival certification.

How did you pass the test? When the cardholder dies, wouldn’t it be strange if the family finds out that there are still a steady stream of pension payment records, but they were sent to someone else’s card... In fact, these questions, if you look into the root of it, are related to the following.

Three aspects are related: the time limit for account cancellation after death, pension insurance benefit certification, and the degree of cross-department data integration and comparison.

If you have the same doubts about these points, you may be able to find the corresponding answers after reading: 01 Is there a time limit for canceling social security accounts after the death of a person? Regarding how long does it take for the social security card to be canceled after the death of the cardholder?

, there are currently divergent opinions on the Internet.

Some say it's within one month, and some say it's unlimited.

The reason why there is no public opinion is mainly because the policies and regulations related to social pension insurance across the country lack a unified statement on this point.

From the current point of view, the most common descriptions may be relatively vague account cancellation period, such as the following: "If a retiree dies while enjoying pension insurance benefits, his immediate family members or relevant units should promptly go to the pension insurance management center to handle the matter.

Cancellation procedures”.

Some even skip the details of the "cancellation time limit" in one go, resulting in a lack of reference basis during execution: if an employee dies before or after retirement, his supplementary pension insurance premiums and personal savings pension insurance premiums have not been collected or have not been paid.

After receiving it, it will be inherited in accordance with the provisions of the "Succession Law of the People's Republic of China".

This approach of not clarifying the time limit for account cancellation after the death of the insured person gives his relatives a certain degree of time flexibility and highlights humanistic care, but it can easily lead to confusion during execution or others to take advantage of the loopholes.

In order to reduce confusion in this area and reduce the risk of insurance fraud, some areas, such as Beijing and Shenzhen, have set clear requirements for the time limit for relatives to cancel social security cards after the death of the cardholder.

Taking Beijing as an example, according to the "Implementation Rules of Beijing Urban and Rural Resident Pension Insurance Measures", if the insured person dies during the period of paying premiums or receiving pensions, within one month after the death of the insured person, his legal heir or designated beneficiary should

Go to the place of household registration to handle social security liquidation and account cancellation procedures.

The time limit in Shenzhen has been extended, but it is also limited to 60 days after his death (for details, please refer to the implementation details of the "Shenzhen Special Economic Zone Social Pension Insurance Regulations").

Article 33 If an insured person or retiree dies, his or her surviving family members shall, within 60 days after his or her death, apply to the municipal social security agency to complete the procedures for terminating the pension insurance relationship.

However, there are only a few areas that explicitly stipulate the time limit for account cancellation of death social security cards, and many areas still have a certain ambiguity about the time limit for account cancellation.

02 How does the country crack down on insurance fraud and fraudulent claims? In order to prevent incidents such as insurance fraud and false claims and avoid the loss of important pension funds, the country has long issued corresponding pension insurance benefit certification policies.

For example, it stipulates that all enterprise and institution retirees and living allowance recipients who receive pensions from the Social Security Bureau must go to the local Social Security Bureau for at least one survival certification every year to prove that the pensioners are still alive and meet the conditions for continuing to receive pensions.

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As for the method of survival certification, it was mainly offline in the early days. Now, for the convenience of the public, online certification is becoming more and more common.

Among them, pensioners who require offline survival certification need to complete fingerprint or face verification at a designated location at a specified time, which is somewhat similar to an "annual review."

There are more ways to authenticate online.

Generally, the social security benefits qualification certification can be easily authenticated by logging into "Pocket 12333" or "National Government Service Platform" through face recognition, fingerprint recognition or video recording.