However, the compensation for work-related death is calculated according to the average salary, which has nothing to do with the social security paid, and there is no need to make up the difference. Moreover, such employees have physical problems, which do not involve production problems, and the company will hardly stop them. In addition, if the death is caused by direct injury or industrial injury, it must be industrial injury. The 48-hour rule is designed to cause work-related diseases at work, which is considered as a subsidy. Therefore, this 48-hour rule is not to protect capitalists, but the state's restrictions on this subsidy.
Why is there such a restriction? Because the money is really big. One-time work death allowance: the standard is 20 times of the per capita disposable income of urban residents in the previous year. This quantity will change. Take this year as an example. In 2022, the money was 948,240 yuan, close to 950,000 yuan. Together with funeral subsidies, the money will generally be around one million yuan. Generally, the industrial injury insurance paid by the company to employees is only 0.5% of the salary. If the coverage of industrial injury insurance is expanded, the money should not be enough according to the current ratio. By the way, I've been curious since I knew this rule why I didn't sign a group of old men and women to cheat insurance. Later, I learned that I can't sign a labor contract after retirement age. However, if I really retire at the age of 65, it is estimated that the terms of this kind of work-related injury will have to be changed in a few years, and a lot of mental and brain problems will die in the enterprise. How much do I have to pay for it?