How to receive a pension after death?

First, how to receive a pension after death:

According to the provisions of the Social Insurance Law, if an individual dies, the balance of the individual account can be inherited.

Ministry of Human Resources and Social Security's "Several Provisions on Implementing the Social Insurance Law" also clarifies that "after the death of an individual who participates in the basic old-age insurance for employees, the balance in his personal account can be fully inherited according to law."

1, personal account pension can be inherited.

Enterprise employees pay endowment insurance, which is divided into unit payment and individual payment.

The basic old-age insurance paid by the unit is generally about 20% of the social security base and directly enters the overall account; Individuals pay 8% of the social security base and enter the account.

After retirement, the insured person begins to receive a pension, which is divided into two parts: basic pension and individual pension.

The basic pension comes from the overall fund and is related to the local wage level, payment period and other parameters.

Personal pension is the accumulated part of personal account, which is collected in n months. If he dies only one month after receiving it, the balance of his personal account can be inherited according to laws and regulations.

If the employee participates in the social security of the unit, the heir can inherit part of the employee's personal account and interest; If an individual is insured, the heir can take away all the old-age insurance premiums paid before.

Second, the provisions of the old-age insurance:

The basic old-age insurance is a social insurance system established and implemented by the state according to laws and regulations. Under this system, employers and workers must pay endowment insurance premiums according to law. After workers reach the retirement age stipulated by the state or quit their jobs for other reasons, social insurance agencies shall pay them pensions and other benefits according to law to ensure their basic livelihood. Basic old-age insurance, unemployment insurance, basic medical insurance, industrial injury insurance, maternity insurance, etc. * * * together constitute the modern social insurance system, and it is one of the most important types of insurance in the social insurance system.

Wills play an important role in handling pension after death. A will is a legal document that stipulates the distribution of property and the protection of rights. When the insured dies, according to the provisions of his will, he can receive a pension by executing his will. The will can clearly specify the beneficiaries and ensure that they can receive pensions in accordance with legal procedures. In addition, the will can also prevent possible disputes and ensure the fairness and legality of property distribution. Therefore, writing and executing wills is an important step to ensure the pension after death, so as to ensure the distribution of property and the rights and interests of beneficiaries are properly protected.

Legal basis:

Social Insurance Law of People's Republic of China (PRC) (revised 20 18);

Chapter V Unemployment Insurance Article 49 If an unemployed person dies while receiving unemployment insurance benefits, he shall be given a one-time funeral grant and pension to his survivors with reference to the provisions on the death of local employees. 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.