introduction
In this indifferent society, there is nothing more heart-warming than the umbrella of the social security system.
Really, when it comes to dealing with the treatment of the survivors of retirees, this thing is not a joke, it is a yardstick for judging whether a society pays attention to human feelings and whether it is humane.
The older generation has worked hard all their lives and retired, whether our society can take care of their families is a question of social temperature.
As for those civil servants and our ordinary migrant workers, the difference in this welfare package is not half a star.
The chair of the civil servant sits comfortably, and the welfare package is naturally higher, and the retirement money that we ordinary workers hold is like a tip in the catering industry, there is one, but you don't expect too much.
This difference, to put it bluntly, is a mirror that reflects the beauty and ugliness of this society.
Definition and calculation of funeral expenses
Let's talk about the funeral expenses first, the name sounds quite sad, but we can't get around it.
The so-called funeral expenses are used to bury the deceased, and the last etiquette is in place, which can be regarded as the last tribute to the deceased.
The algorithm is simple, the internal affairs department stipulates that if a person dies, it will be twice the monthly per capita disposable income of urban residents in the province in the previous year at the time of death.
Looking at Guangdong Province below, the per capita disposable income of the previous year was 49,327 yuan, which is equivalent to 4,110.58 yuan per month. Then, the funeral expenses are 8221 yuan.
Definition and calculation of pensions
Speaking of pensions, it's even more complicated, and this thing can't be explained in a word.
The approximate algorithm of the pension is that the retirement salary is discounted, in addition to looking at the monthly per capita disposable income of the province in the previous year, and then you have to refer to how long you have received the pension.
The pension of a civil servant is like winning the lottery, and it is much more cost-effective than us who carry a large bag outside.
Retired civil servants are twice the disposable income of the previous year, plus retirement allowance or basic salary for the first 40 months of life.
Retirees of public institutions are paid retirement allowance or basic salary for the first 20 months of their lives.
Looking at the following table, the standards of each place are different.
Funeral expenses and pension claim process
This amount of money, although it is not much, can be saved at a critical time. I have to say that this application process is more troublesome than squeezing the bus on the street.
The first is to prepare the materials: you have to sort out all kinds of documents of the deceased, such as ID card, household registration book, retirement certificate, these must be available. There are also the declaration form for the basic pension insurance benefits of enterprise employees, the valid identity documents of the surviving family members, the social security card or bank account information of the insured, the personnel file (required by the in-service deceased), the medical certificate of the death of the insured, etc.
In terms of process, it is generally like this: first go to the street office (or community) to report, say that your relatives are gone, and then go to the retirement unit or social security center to report the situation, run around with materials, stamp, fill in forms, this window directs you to go to that window, and that window lets you go back to this window, going around in circles.
The time limit for applying for benefits is within 6 months after death, so that those windows can be delayed again and again, and you can only pray every day that your application will not become dust in the folder.
epilogue
Some people say that money is important, but knowledge is sometimes more important than money. Understanding the calculation standards and application process for funeral expenses and pensions is simply a compulsory course for ordinary people like us.
Why? Because it's about money bags, brother. If you don't know this, being slaughtered is not a joke. You have to know how much you can take, how others will take it, and learn how to at least predict what you will do in the future.
Best wishes!