Body:
In modern society, pension is an important income to ensure the life of the elderly**, and its lifelong system provides stable economic security for many retirees. However, due to the uncertainty of human lifespan, retirees have long and short lifespans, which will undoubtedly have an impact on pension receipt and inheritance. So, when retirees die, how are their pension benefits handled? This article will explain it in detail for you.
First of all, according to the law, after the death of a retiree, his will can inherit the corresponding treatment in accordance with the law. These benefits consist mainly of two parts: the balance in the personal account and the funeral expenses and pensions. Funeral expenses are a fixed amount, and the standards vary from region to region, usually around a few thousand yuan, and some areas can be close to 10,000 yuan. On the other hand, there is no fixed standard for the pension, and its amount depends on the retiree's pension insurance participation, and the longer the participation period, the higher the pension treatment.
Normally, the amount of the pension is about tens of thousands of yuan, and few areas will exceed 100,000 yuan, unless it is a first-tier city that may have a higher standard. If the retiree has a shorter contribution period, such as only 15 years, then the pension may not even be 50,000 yuan. Therefore, how much money can be inherited by the will ultimately depends on the actual conditions of the insured.
It is worth mentioning that no matter how long the retiree lives, funeral expenses and pensions can be received normally. This means that retirees will be able to enjoy this treatment regardless of how many years they have received their pension and then they die. The only difference is the pension balance in the personal account.
In general, a pension in a personal account can support a period of about 13 years. If a retiree dies after the personal account has been exhausted, the family will not be able to inherit the balance in the personal account, but will still receive funeral expenses and pensions. Conversely, if a retiree dies after receiving only one year's pension, the remaining amount in the personal account will be legally inherited.
In addition, some people may think that all pension insurance contributions will go to personal accounts, which is a misconception. In fact, the pension insurance account is divided into two parts: the individual account and the pooled account, and only about one-third of the contributions will go into the individual account, and the rest will go into the pooled account. Therefore, the amount that can be inherited is only a part of it.
In short, after the death of a retiree, the treatment of his pension treatment not only reflects the protection of the basic rights and interests of the retiree, but also takes into account the legitimate rights and interests of the family. Understanding these regulations is of great significance for each of us to plan for our later years and deal with issues such as inheritance. Thank you for reading, talk about retirement knowledge every day, I focus on the field of social security and retirement, welcome to follow my Baijia account to get more relevant information.