In-depth analysis: Funeral expenses and pension policies for civil servants, business establishments and enterprise employees in mainland China
We all know that in our lives, everyone has to face birth, old age, sickness and death. For those who have contributed to the country and society, especially civil servants, career establishments and enterprise employees, the state and society will give them some care and help after they pass away. Among them, there are two important welfare policies: funeral expenses and pensions. Today, let's talk about these two policies in detail.
Funeral expenses vs. pensions: two different benefits
We have to understand that funeral expenses and pensions are actually two different things.
Funeral expenses: This is the money used to pay for the funeral expenses of the deceased, such as cremation fees, urn fees, body pick-up and transportation fees, and those necessary funeral supplies. The money is mainly so that the deceased can leave this world with dignity.
Pension: This is a kind of economic compensation issued by the state to the family of the deceased in accordance with relevant regulations. Its purpose is to help the family of the deceased relieve the financial burden caused by the death of a loved one.
Policies for civil servants, business establishments and corporate funeral expenses
Funeral expenses for civil servants: There are some differences in the funeral expenses policy for civil servants. In some places, a fixed amount is issued, while in other places it is linked to the monthly per capita disposable income of urban residents in the previous year. But in general, civil servants' funeral expenses generally cover basic funeral expenses to ensure that they can get a decent burial.
Funeral expenses for career establishment: The funeral expenses policy for career establishment employees is similar to that of civil servants, and it is also a local standard. In some places, a fixed amount is issued, while in others it is linked to the average wage level of in-service employees. However, there may be some differences in the standard of funeral expenses for employees in the establishment of a career compared to those of civil servants.
Funeral expenses for enterprise employees: The funeral expense policy for enterprise employees was clarified in 2021. Specifically, the funeral expenses of enterprise employees are twice the monthly per capita disposable income of urban residents in their provinces in the previous year. This policy allows the families of employees to have a relatively fixed financial compensation after the death of their loved ones, reducing their financial burden.
Civil servants, career establishments and corporate pension policies
Civil servants' pensions: The pension policy for civil servants is relatively clear. According to state regulations, a one-time pension is paid after the death of a civil servant. The amount of this pension is twice the per capita disposable income of urban residents in the previous year, plus the basic salary or basic retirement allowance for the first 40 months of the deceased's life. Such a policy reflects a high level of compensation for civil servants and their families.
Establishment pension: After the death of an employee of a public institution, the standard of their pension is the basic salary or basic retirement allowance for the first 20 months of the deceased's life. Although this standard is lower than that of civil servants, it also reflects the care and compensation for the families of the deceased.
Employee pensions: The pension policy for employees of enterprises is more complicated. Its standard is based on the monthly per capita disposable income of urban residents in the province where the deceased is located in the previous year, and then the number of months of payment is determined according to the number of years of pension insurance contributions of the deceased. Specifically, if the payment period is less than 5 years, the number of months is 3 months, if the payment period is 5 years but less than 10 years, then the number of months is 6 months, and so on, up to 24 months. In addition, for retirees, the number of years they have been pensioned is deducted. Such a policy not only takes into account the number of years of payment of enterprise employees, but also reflects fairness and reasonableness.
We should have a clearer understanding of the funeral expenses and pension policies for civil servants, business establishments, and enterprise employees. The formulation and implementation of these policies are aimed at enabling these people who have contributed to the country and society to receive the care and compensation they deserve after their deaths. At the same time, it also allows their families to reduce some financial pressure and feel the warmth of society after the death of their loved ones. Therefore, we should be grateful for the existence of these policies, and also for those who contribute to the country and society.