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In the social security system, pension insurance is the focus of attention of the majority of employees. Many people pay a lot of pension insurance contributions during their working life, but when they unfortunately pass away, the pension inherited by their family members is often not as expected. What's going on here? This article will answer this question in detail for you.
First of all, we need to understand the composition of pension insurance. The pension insurance for urban workers is divided into two parts: personal account and overall account. Of the insurance premiums paid by individuals, about 1 3 go to the individual account, and the remaining 2 3 go to the pooled account. The funds in the personal account belong entirely to the individual, while the funds in the pooled account are shared by the society. Therefore, when a person dies, the only thing that the family can inherit is the funds in the personal account.
Let's illustrate this with a concrete example. Suppose a person has paid a total of 200,000 yuan in pension insurance premiums during his working life. Of these, about 1 3 (that is, about 60,000 or 70,000 yuan) went into personal accounts. Therefore, when this person dies, the pension that the family can inherit is the sixty or seventy thousand yuan. At the same time, the family can also receive a funeral fee and a pension. Funeral expenses are a fixed amount, about a few thousand dollars; The pension is determined according to the number of years of social security contributions, generally between 10,000 yuan and 20,000 yuan.
It can be seen that the pension that the family can finally receive is not as much as imagined. This is why sometimes family members feel confused and even disappointed. However, we need to be clear that the pension system is intended to protect the quality of life after retirement, not as an inheritable asset.
In short, it is very important for every employee to understand the relevant regulations of pension insurance. This will not only help us to properly plan our personal and family finances, but also ensure that we can enjoy the pension security we deserve after retirement. At the same time, we should also pay attention to the latest developments in the field of social security and retirement, so that we can adjust our insurance strategy in time. Thank you for reading, talk about retirement knowledge every day, I focus on the field of social security and retirement, welcome to pay attention to get more relevant information.