Wills Insurance
Survivor's insurance is in accordance with relevant legislation, when the law of social insurance of workers to participate in the tragic death of the survivor's income so that they are affected, to provide them with all or part of the funeral expenses, in accordance with the provisions of the statutory period offset part of their economic income, thereby to protect their basic livelihood of the social insurance programs. Survivors Insurance In addition to providing the necessary funeral expenses, the main purpose is to protect the unfortunate death of the workers have lost their working capacity of the relatives and the basic livelihood of minor children, sometimes including their relatives, children, special needs, such as children affected by education costs. Survivor's insurance can be paid on a regular basis in a quantitative manner, but also a way can be a one-time payments.
In practice, very few survivors insurance as a separate social insurance programs to implement, generally with the old-age insurance or insurance portfolio into a series of work-related injuries. On the one hand, taking into account those who participate in pension insurance after the death of their dependents, the basic living relatives should also be guaranteed, so be classified as "elderly, disabled, leaving his insurance" series, with the implementation. On the other hand, those who work-or service-incurred death of a dependent relative of the basic living guarantee, then classified as a series of industrial injury insurance.
Survivor's insurance, the history of the evolution of the International Labor Conference in 1952 adopted the "Social Security (Minimum Standards) Convention," expressly provides for a standard beneficiary (with two children, widows) and orphans (parents are both dead) and semi-orphans ( the death of one parent) of the allowances. Since then, most of the established old-age pension and disability insurance system, countries have gradually put on the survivor's insurance as a supplement to the system implementation of the merger, most countries provide for survivor's eligibility to receive survivor's insurance limits, mainly the death of the workers must have participated in the "old, disabled, leaving his insurance" and comply with the minimum length of payment, to widows and orphans often have a certain age limit.
Survivors of China's insurance system introduced in 1953, the labor insurance system from the outset, as long as the death has been identified as employees (including retired workers) and dependent relatives, can enjoy the corresponding survivor pension. But because workers (male) death and non-work (public) death (including deaths due to illness) is treated differently: the former can enjoy a regular pension, according to the death of a certain percentage of wages paid; with special difficulties, but also can be pension payments sent to the unit, give in grants. The latter can only enjoy a one-time relief, equivalent to 6-12 months before his death the death of workers wages. A one-time subsidies are often difficult to solve the survivor's long life, it gradually becomes in the implementation of the survivor's allowance is a regular or irregular. However, according to the current standard of living survivor's pension and survivor benefits to see the standards are often low, or even reach the local minimum living standard