What is the premium for dying in your forties, and how about pension insurance when you die at the a

If you die in your forties, you can inherit part of the personal account of the pension insurance.

According to the provisions of the Social Insurance Law, the personal account pension has the nature of compulsory savings, belongs to the individual, and the balance of the personal account pension can be inherited if the individual dies (including before and after retirement).

In the event of death due to illness or non-work-related reasons, the surviving family members may receive a funeral grant and a survivor's pension. Funeral allowances and survivors' pensions are also part of the pension insurance benefits for employees.

1) Funeral subsidy is the subsidy for burial and handling of aftermath after the death of an employee, and there is no unified standard in the country. Judging from some local regulations, the funeral subsidy is generally calculated and paid according to a certain number of months of the average monthly salary of the local employee at the time of the death of the employee, such as Dalian, the funeral subsidy is the average social wage of the city for three months in the previous year.

2) The survivor's pension is the economic compensation and spiritual comfort given to the family members of the employee after his death. The provisions of the survivor's pension vary from place to place, and some do not stipulate the pension, but only stipulate that the survivor's relief fee will be paid on a monthly basis; For example, in Dalian, in addition to a one-time relief allowance for immediate family members according to the standard of the city's average social wage of 10 months in the previous year, supporting immediate family members can also receive relief expenses for relatives according to the local subsistence allowance standard and the sum of the price subsidy.

Social security benefits for disability due to illness or non-work-related reasons:

Those who completely lose their ability to work due to illness or non-work-related disability when they have not reached the statutory retirement age may receive sickness and disability allowance. The disability allowance is the economic compensation given by the basic pension insurance** to the above-mentioned special insured persons. The sickness and disability allowance belongs to the new system, and there is no corresponding allowance standard at present, and corresponding supporting regulations need to be introduced.

Your problem is not clearly described.

If it is the insured, then a claim is made and the insurance contract is terminated.

If it is the policyholder and insures himself, then the same claim will occur and the insurance contract will be terminated.

If you are a policyholder, not an insured, then it depends on whether your insurance has a premium waiver function:

Yes, then the remaining premiums can be paid by the insurance company without paying them.

If not, then go to the insurance company's counter to apply for a change of policyholder.

What type of insurance do I need to look at?

Died at the age of 40 + how about pension insurance.

Hello, if an employee dies on the job, his close relatives shall receive funeral subsidies, pensions for dependent relatives and one-time work-related death subsidies from work-related injury insurance** in accordance with the following provisions: (1) The funeral subsidy shall be 6 months of the average monthly wage of employees in the overall area in the previous year; (2) The pension for dependent relatives shall be paid to the relatives who are unable to work and are unable to work according to a certain proportion of the employee's own salary. The criteria are:

40 per cent per month for spouses, 30 per cent per month for other relatives, and 10 per cent per month for each elderly or orphan who is alone or orphaned. The sum of the approved pensions for dependent relatives shall not be higher than the wages of the employee who died in the course of work. The specific scope of support for relatives shall be prescribed by the social insurance administrative department; (3) The standard of one-time work-related death subsidy shall be 20 times the per capita disposable income of urban residents in the previous year.

They can also receive the full amount of the principal and interest of the individual contribution part of the pension account of the deceased employee.

After death, the original premium paid can be fully refunded in the personal account. Medical expenses before death can be reimbursed according to regulations.

Bring the death certificate and social security card issued by the police station of the place of household registration to the social security bureau of the place where you are insured to apply for a refund of the social security premium.

The relatives or heirs of the original insured and social security contributors can enjoy the following treatments:

1) The accumulated balance of the personal account of the person receiving the insurance payer;

2) Funeral subsidy: 3 times the average monthly salary of the on-the-job employees in the city in the previous year at the time of their death;

3) One-time pension: If the dependents are 1, 2, 3 or more people, they shall be paid 6 times, 9 times and 12 times of the average monthly salary of the on-the-job employees in the city in the previous year.

Extended reading: [Insurance] How to buy, which one is better to roll out, and teach you to avoid these insurance"pits"

1. All the social insurance premiums (personal account balance) paid by the deceased during his lifetime will be regarded as an inheritance and jointly inherited by the legal heirs of the deceased.

2. For the scope of the legal heirs of the deceased, please refer to Article 10 of the Inheritance Law, which states that "the estate shall be inherited in the following order:

First order: spouse, children, parents.

Second order: siblings, grandparents, maternal grandparents.

After the inheritance begins, it is inherited by the first-order heirs, and the second-order heirs do not. If there is no first-order heir, the second-order heir shall inherit.

The term "children" in this Act includes legitimate children, illegitimate children, adopted children and dependent stepchildren.

The term "parents" in this Act includes biological parents, adoptive parents and dependent stepparents.

The term "brothers and sisters" in this Act includes brothers and sisters of the same parents, half-siblings or half-siblings, adoptive brothers and sisters, and step-brothers and sisters who have a relationship of support".

Article 14 Personal accounts shall not be withdrawn in advance, and the interest rate shall not be lower than the interest rate of bank fixed deposits, and interest tax shall be exempted. In the event of the death of an individual, the balance of the personal account may be inherited.