How to settle social insurance after death?

After participating in social security, the insured person dies for some reason. How to calculate social security after death? What are the methods of rural endowment insurance? The following is some information about the settlement method of social security after death compiled by Zhishi Bian Xiao for your reference.

Settlement method of social security after death 1. Two conditions for receiving social security pension after retirement

1. The actual payment period of the insured exceeds 10 years (1September 30th, 998 and before) or 15 years (1June, 998 10 and after);

2. The insured reaches the statutory retirement age.

Two. Pension calculation and payment method: If the pension reaches the statutory retirement age and the accumulated payment period reaches 10 or 15 or above, the basic pension will be calculated and paid according to the following methods: monthly basic pension = basic pension+personal account pension.

computing formula

1. basic pension = (the average monthly salary of employees in the whole province in the previous year at the time of retirement, and the average monthly payment salary of ten people is indexed) /2? My payment period)? 1%

2. Personal account pension = the amount of personal account storage at retirement/the number of months corresponding to my retirement age1998 On or before September 30, there are also transitional pensions.

Third, there are three factors that affect the amount of pension.

1. Last year's salary in the province when I retired (the salary in the province is increasing every year, and the pension is also increasing year by year. Therefore, the later the retirement time, the more pensions);

2. My payment period (the longer the payment period, the more the pension);

3. Personal account amount (the more contributions, the more pensions).

4. Funeral expenses = average salary of employees in the previous year at the time of death *3 months.

5. One-time preferential treatment fee (blood donation fee) = average monthly salary of employees in the previous year at the time of death *3 months. 3. One-time assistance for supporting immediate family members: support 1 person = average monthly salary of employees in the previous year at the time of death * two employees in six months = average monthly salary of employees in the previous year at the time of death * three employees in seven months = average monthly salary of employees in the previous year at the time of death * eight months.

6. The balance of personal account shall be paid to the legal heir in one lump sum. If there is no legal heir, it will be transferred to the social endowment insurance fund.

The method of rural retirement pension insurance is to write an application for surrender, state the reasons, bring relevant materials, such as entrance examination, household registration and other materials, and go through the formalities at the social security center.

Proof of audit, and signed opinions, together with the surrender of the applicant's payment card, payment record card together with the county insurance. County insurance will check the submitted materials again, and calculate the surrender amount for those who meet the surrender conditions.

The insurance amount returned by normal surrender and abnormal surrender should be calculated according to different standards. Normal surrender, according to the annual interest rate of 7.5% return interest. After deducting the management service fee and bearing interest at the compound interest rate of 7.5% per annum, the proportion of individuals returned collectively depends on the situation. The part of the collective subsidy that has not been returned to the individual is credited to the fund.

In case of abnormal surrender, only the principal of insurance premium and the amount of collective subsidy paid by the insured person will be refunded. According to the principle that collective subsidies that have been credited to individuals will not be refunded and credited to the fund.

Relevant regulations on social security after the death of the insured 1. According to the provisions of the Social Insurance Law, if an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral subsidies 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.

2. If an individual dies, the personal account balance can be inherited. The specific settlement method is determined by the local social security agency.

How to settle social security after death?