Funeral expenses of retirees in Dalian

"Before the death of the insured, didn't the survivors get 40 months' salary? In 2022, I heard that the algorithm was unified. Is it up or down? What is the change? "

There have been rumors on the Internet that survivors can get 40 months' salary (or pension) when an insured or retiree dies, but in real life, few survivors get it. What happened?

At present, according to the identity of the insured and retirees, it can be divided into enterprise insurance and retirement (including flexible employees), government institutions insurance and retirement, and different identities die, and the treatment of survivors is also different.

Since 2022, retirees have unified the treatment algorithm behind them, but one subsidy has been quietly cancelled. Here is a deep analysis of the mystery for you:

0 1, 40-month salary is related to identity.

"Since August 20 1 1, 1, state functionaries and retirees have died. The one-time pension payment standard is: twice the per capita disposable income of urban residents in the previous year, plus the basic salary or basic retirement fee for 40 months before their death. "

This is stipulated in the Notice on Issues Concerning the Payment of One-time Pensions for the Death of Staff and Retirees of State Organs (Minfa [201]192).

As can be seen from the regulations, the deceased can enjoy this kind of treatment as a civil servant, while the identity of hospitals, teachers and other institutions is 20 months' salary. As for retirees, there are other regulations.

02. After the death of retired workers, adjust the previous treatment.

First of all, it can be made clear that once the insured or retirees die, according to the regulations before the adjustment, survivors can enjoy funeral expenses, pensions, personal account balance of endowment insurance, personal account balance of medical insurance and living allowance for survivors.

Generally speaking, these are the five treatments, but each region has its own regulations on how much money it can enjoy. However, the balance of personal account depends on the balance of personal account after death. If it is 0, you cannot enjoy this treatment.

Take Dalian as an example. In the past, the funeral expenses were three months' salary and the pension was 10 month's salary. Dependent immediate family members can also receive it according to the sum of local living difficulties subsidy standards and price subsidies.

Relatives' relief (living allowance for survivors).

However, due to the unification of the algorithm in September, 2002 1 year1day, the new adjustment means that the survivors' living allowance is quietly cancelled. For example, the monthly 430 yuan -530 yuan allowance for survivors in Shandong varies from person to person, while the 570 yuan allowance in Shanghai is no longer paid.

How to calculate the new algorithm after the survivor's living allowance was abolished in 2003 and 2022?

In view of the various treatment of retired workers, in September 20021,Ministry of Human Resources and Social Security and the Ministry of Finance issued the Interim Measures for the Treatment of Basic Old-age Insurance for Enterprise Employees, which finally ushered in a new unified calculation.

The funeral expenses were all changed to 2* the per capita disposable income of urban residents in this province and city last year. For example, in Liaoning Province, the per capita monthly disposable income in 2020 is RMB 6,729.

The calculation of survivor's pension is more fair and reasonable, which is not only related to the insured's payment period, but also related to the pension payment month. Therefore, I have compiled a table as follows:

That is to say, once an enterprise retiree who has paid 15 years or more dies, the guaranteed survivor's pension is the per capita disposable income of urban residents in this province for 9 months, with an upper limit of 24 months.

Careful people find that the previous treatment was either related to the social wage or the minimum wage, and these two indicators are higher than the per capita disposable income of urban residents, so such areas will face a decline.

For example, in Dalian, the previous funeral expenses were three months' social wages, which was about 3 * 8234 = 24,702 yuan, while the per capita monthly disposable income in Dalian in 202 1 year was about 3 178 yuan, so after the unified algorithm, the funeral expenses could only get 6,356 yuan.

In areas like Shandong Province, the funeral subsidy is 1 000 yuan, which has obviously been greatly improved after the new calculation method. Therefore, after 2022, some people are really happy and some people are worried.