How to compensate social security for accidental death

Whether it is accidental death or disease death, social insurance does not bear the liability for death compensation.

Social security can only compensate medical expenses caused by diseases in a certain proportion within the scope of compensation stipulated by social security. In case of direct death due to sudden illness or major accident, no medical expenses will occur during this period, and no social insurance will be paid. Social insurance is no longer liable for accidental deaths such as traffic accident death, medical accident death and drowning death. If he dies for some reason, he shall apply for social insurance according to the treatment method of disease death. Pay funeral expenses and support immediate family members, and issue a one-time pension. The balance of endowment insurance in personal account can be inherited as inheritance, and only industrial injury insurance can compensate.

Social security to deal with accidental death:

1. The insured dies before reaching the retirement age: if the insured dies before reaching the statutory retirement age, the personal contribution and interest of the old-age insurance in social security can be returned to the heir of the deceased in one lump sum, and the old-age insurance relationship will be terminated at the same time, and the medical expenses before his death can also be directly reimbursed.

2. The insured dies at retirement age: the insured dies unexpectedly after reaching retirement age. After deducting the past part, the personal contribution and interest balance in the old-age insurance can be returned to the deceased's heirs in one lump sum, and the old-age insurance relationship is terminated at the same time. The immediate family members of the deceased may apply for funeral expenses and pensions.

To sum up:

If the insured dies unexpectedly, the basic old-age insurance fund can compensate the survivors for funeral grants and pensions, in which the funeral grants are generally the six-month average wages of employees in the overall planning area, and the pensions are paid according to a certain proportion of the monthly wages of employees.

Legal basis:

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

Seventeenth individuals who participate in the basic old-age insurance, due to illness or non-work-related death, their 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.

Article 49 If an unemployed person dies while receiving unemployment insurance benefits, he shall pay a one-time funeral subsidy and pension to his survivors with reference to the local regulations on the death of on-the-job workers. The required funds are paid from the unemployment insurance fund.

If an individual dies and meets the conditions for receiving basic old-age insurance, industrial injury insurance and unemployment insurance funeral subsidies, his survivors can only choose to receive one of them.