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In addition to insurance, how should the factory pay for the death in the factory?
Legal subjectivity:

If a worker dies in a factory, whether the factory should be liable for compensation depends on the cause of death of the worker. Different causes of death have different legal nature. Generally speaking, when a worker dies in a factory, the factory needs compensation in the following common situations: 1. Workers are injured by accidents during working hours, or when they are engaged in work-related preparatory work or finishing work before and after working hours. Under the above circumstances, it should be a work-related injury according to law, and it is entitled to compensation such as compensation for work-related injury death; 2. A worker who dies of sudden illness in the factory or during working hours or dies after being rescued within 48 hours is regarded as a work-related injury and has the right to receive compensation such as compensation for work-related injury death; 3. In addition, if a worker dies unexpectedly during his stay in the factory because of potential safety hazards, but the factory fails to fulfill its safety guarantee obligations such as warning obligations, the factory should still bear corresponding civil liability for compensation within the fault range of its failure to fulfill its safety guarantee obligations. However, if the death of workers has nothing to do with the factory and the factory is not at fault, then the factory certainly has no obligation to compensate.

Legal objectivity:

Article 39 of the Regulations on Work-related Injury Insurance, if an employee dies at work, his close relatives shall receive funeral subsidies, pension for supporting relatives and one-time work-related death subsidies from the work-related injury insurance fund in accordance with the following provisions: (1) The funeral subsidies shall be the average monthly salary of employees in the overall planning area for six months in the previous year; (2) The pension for supporting relatives shall be paid to the relatives who provided the main source of livelihood before the death of the employee and were unable to work because of work according to a certain proportion of the employee's salary. The standard is: spouse 40%, other relatives 30%, widowed elderly or orphans 10%. The total approved pension of dependent relatives should not be higher than the salary of employees who died at work. The specific scope of supporting relatives shall be stipulated by the administrative department of social insurance of the State Council; (three) the standard of one-time work death allowance is 20 times of the per capita disposable income of urban residents in the previous year. If a disabled employee dies at work during the period of paid suspension, his close relatives shall enjoy the treatment stipulated in the first paragraph of this article. If a disabled worker of Grade 1 to Grade 4 dies after the expiration of his unpaid leave, his close relatives may enjoy the treatment specified in Items (1) and (2) of the first paragraph of this article.