How much can social security receive at one time after death?

When many people participate in social insurance, they only think about the pension benefits they can receive when they retire. So many young people feel that it is not cost-effective to take insurance when they are young. If they buy social security for several years and suddenly die, they will get nothing. But to be honest, social insurance can provide a lot of protection, not simply retirement. Some netizens asked, how much treatment can you get if you suddenly die after paying social security for 6 years?

First, industrial injury insurance benefits.

. Social insurance actually includes pension, medical care, work injury and unemployment. There used to be maternity insurance, but now it has been included in the basic medical insurance, but the relevant treatment is still reserved.

Work-related injury insurance includes seven kinds of situations that can be identified as work-related injuries and three kinds of situations that can be regarded as work-related injuries. In particular, those who died of sudden illness during working hours and jobs, or died after being rescued within 48 hours, can be identified as work-related injuries.

If something similar to a work-related injury occurs, you must apply for recognition as a work-related injury. If it is recognized, it can enjoy the treatment of work-related injury insurance in accordance with relevant regulations. There are three kinds of treatment for workers who die from work-related injuries. Among them, the average monthly salary of employees in the overall planning area with 6 months funeral allowance is generally 40,000 to 60,000 yuan; One-time work death subsidy, 20 times of the per capita disposable income of urban residents nationwide last year, and more than 948,000 yuan in 2022; The pension for dependent relatives shall be paid according to a certain proportion of the employee's own salary and paid monthly until the relevant personnel lose the conditions for receiving it.

second

, medical insurance benefits. Generally speaking, you will go to the hospital for emergency treatment before you die, and the related medical expenses can be reimbursed.

After the death of the insured, the balance of the personal account of medical insurance can also be extracted and inherited.

Third, pension insurance benefits.

. Old-age insurance benefits may be the most concerned by everyone, mainly including the balance of three old-age insurance personal accounts, funeral subsidies and one-time pensions.

Personal account balance of endowment insurance

At present, 8% of the monthly payment base is included in the personal account. Just equal to the part paid by the employees themselves. For flexible employees, the general payment ratio is 20% of the payment base, which means that only 40% of the payment is included in the personal account.

For example, the lower limit of pension insurance payment base for flexible employees in Shandong Province this year is still 3746 yuan for the time being. The money credited to personal account is 299.68 yuan a month and 3596.438+06 yuan a year. In the past few years, due to the low base of payment, less money was borrowed. Personal accounts of endowment insurance will have corresponding bookkeeping interest rate, which was 6.69% last year. If you continue to pay social security for 6 years, pay according to the minimum base in Shandong, and the balance of your personal account is about 20,000 yuan.

Funeral grant and one-time pension

At present, it is implemented in accordance with the Interim Measures for the Treatment of Survivors of Basic Old-age Insurance for Enterprise Employees.

The unified funeral allowance is the per capita monthly disposable income of the provinces and towns where he died two months ago.

One-time pension, for on-the-job employees, is specifically like this:

1 The payment period is less than 5 years, which is the per capita disposable income of the towns in his province when he died 3 months ago.

More than 25 years 10 years is 6 months.

More than 3 10 years and less than 15 years is 9 months.

If the payment exceeds 4 15 years, you can get one more month on the basis of nine months for each additional year. The payment time is calculated to the month. For example, if the payment is 25.5 years, the one-time pension is 19.5 months. The per capita monthly disposable income of cities and towns in the province last year.

5 If the payment period exceeds 30 years, it will be calculated as 30 years, that is, the longest payment period is 24 months.

Take Shandong Province as an example. The per capita disposable income in cities and towns this year is 3,922 yuan per month, so the funeral subsidy is 7,844 yuan. One-time pension is 3922 yuan ×6, that is, 23532 yuan.

Together, the above three parts are estimated to cost more than 50,000 yuan.

It is worth reminding that when an employee who has paid less than 5 years dies, the total amount of funeral subsidies and one-time pensions he can receive shall not exceed the amount of personal accounts paid by the employee himself. Flexible employees are calculated according to the amount of money credited to personal accounts.

For flexible employees, because the personal account is credited to 40% of the total pension insurance payment, funeral subsidies and pensions cannot exceed this amount, so there may be a loss of 20%. However, the personal account of endowment insurance still has interest. As long as the payment is more than 5 years, there is no such restriction, and generally there will be no loss.