It's true. After the death of some enterprise employees, in addition to receiving 2 sums of money, they cannot receive funeral expenses, what is the situation? How is his funeral pension paid? If you understand, please pay attention to the collection.
As we all know, if a person who participates in the basic old-age insurance for employees of an enterprise dies due to illness or non-work-related causes, his family members can apply for a one-time funeral pension, also known as the treatment of survivors, reflecting the state's care, comfort and care for the relatives of the staff after their death. After investigation, after the death of an enterprise employee, under normal circumstances, three sums of money can be received, the first money is funeral expenses, the second money is a pension, and the third money is the balance of personal accounts. However, in order to prevent some people from taking advantage of policy loopholes and enjoying one-time funeral pension treatment in excess, from the policy level, some enterprise employees are hereby set up not to enjoy the money of funeral expenses.
Which employees of enterprises cannot receive funeral expenses after their death?
It is mainly for employees of enterprises with a payment period of less than 5 years, including those insured by flexible employment. Since September 2021, a major reform of the mainland's funeral pension policy has undergone, unifying the policy caliber and distribution standards for the first time nationwide, and systematically protecting the legitimate rights and interests of enterprise employees and their survivors.
According to Article 4 of the Interim Measures for the Treatment of Funeral Pensions for Basic Old-age Insurance for Employees of Enterprises, funeral expenses are calculated at the time of death by twice the monthly per capita disposable income of urban residents in the province in the previous year; Article 5 stipulates that if the number of months of payment for incumbents is less than 5 years, the number of months of pension payment is 3 months. Therefore, from the provisions of Articles 4 and 5, it is necessary to enjoy 2 months of funeral expenses and 3 months of pension, that is to say, to guarantee the bottom 5 months of treatment.
Funeral pension
In fact, this is not the case, sometimes there are also special affairs, such as social security participation in Anhui, pay 3 months of flexible employment personnel, pension insurance personal account is only a few hundred yuan, after death, according to the provisions of article 4 and 5 of the Interim Measures, enjoy 2 months of funeral expenses, that is, 7170 yuan; enjoy 3 months of pension, that is, 10755 yuan, a total of 17925 yuan. According to this calculation, after the death of the individual's temporary payment, he exchanged a few hundred yuan of payment for the treatment of 17925 yuan of survivors, and it was clear that the country had suffered a big loss, and the social security fund was lost in vain. In this regard, Article 6 of the Ministry of Human Resources and Social Security specifically stipulates that if the cumulative payment period is less than 5 years, the standard of treatment for his survivors shall not exceed the sum of his personal contributions, and timely block the improper receipt of funeral pensions by his relatives after the death of the temporary account personnel.
If the payment period is less than 5 years, how will the survivors receive benefits?
According to the policy, the sum of their individual contributions shall not be exceeded, of which the sum of individual contributions includes personal account interest. After the death of an enterprise employee, our business management system has three sums of money that can be paid to their relatives, namely personal account balance, funeral expenses, and pensions. Speaking of this, some people may ask, why is there no funeral fee for less than 5 years of payment? How much survivorship treatment can you receive? In order to facilitate everyone's understanding of the policy, I will give an example to interpret: suppose that the employee of the enterprise who has been paid for social security contributions for less than 5 years dies, and the insured place is in Anhui, and the balance of his social security personal account is 4500 yuan. In other words, the sum of individual contributions is 4500 yuan, and according to the policy, the sum of their funeral expenses and pensions shall not exceed 4500 yuan, which means that the funeral expenses are 0 and their pension is 4500 yuan. His relatives can receive 2 sums of money, one is the balance of the personal account of 4500 yuan, and the other is a pension of 4500 yuan.
Social security card
In short, after the death of an enterprise employee, the funeral expenses and pension treatment also follow the principle of "paying more and getting more, paying more for a long time", and if the payment period is less than 5 years, the pension treatment is determined according to the sum of individual contributions; if it is more than 5 years, the funeral expenses and pension benefits are determined according to the payment period and retirement years.
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