Is there a family pension after paying five insurances and one gold?

After paying five insurances and one gold, family members may get a pension.

First, the basic composition of five insurances and one gold

Five insurances and one gold include endowment insurance, medical insurance, unemployment insurance, work injury insurance, maternity insurance and housing accumulation fund. These insurance and provident funds are designed to protect the rights and interests of workers during their work, as well as the basic needs of life under special circumstances such as retirement, illness and unemployment.

Second, the pension policy after the death of employees

According to the relevant laws and regulations of our country, if a worker dies unfortunately during the period of paying five insurances and one gold, his family members have the right to apply for a certain pension or funeral subsidy. The specific amount and receiving conditions vary according to different regions and policies, but they are generally related to factors such as the payment period of workers, the amount of payment, family economic status and so on.

Three. Procedures for applying for a pension

When applying for a pension, family members usually need to provide workers' death certificates, identity certificates, kinship certificates and other related materials. The application process varies from region to region, but it is generally necessary to submit an application to the local social security department or relevant institutions, and receive a pension after review.

Fourthly, the significance and function of pension.

Pension is a kind of economic compensation for employees' families, aiming at alleviating the economic pressure brought by employees' death to families. At the same time, providing for the aged is also the embodiment of social fairness and humanistic care, which embodies the society's respect and care for workers.

To sum up:

After the death of an employee who pays five insurances and one gold, his family members can apply for a certain pension or funeral subsidy according to relevant laws, regulations and policies. When applying for a pension, family members need to know the local policies and regulations and the application process, and provide the necessary supporting materials. As the embodiment of economic compensation and humanistic care, providing for the aged is of great significance for alleviating the economic pressure of workers' families.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 17 stipulates:

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; 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. The required funds are paid from the basic old-age insurance fund.

Regulations on industrial injury insurance

Article 39 provides that:

If an employee dies at work, his close relatives shall receive funeral subsidies, dependent relatives' pensions and one-time work-related death subsidies from the industrial injury insurance fund in accordance with the following provisions:

(a) the funeral subsidy is the average monthly salary of employees in the overall planning area for 6 months;

(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.