After retirement, I received pension insurance. After the retiree dies, can the children of old-age insurance money inherit it? Premise endowment insurance cannot be inherited. From the analysis of the characteristics of pension, endowment insurance is the treatment we enjoy after paying endowment insurance according to the regulations, and the pension salary can only be enjoyed by those who participate in endowment insurance, and this enjoyment is subject to certain restrictions. For example, if you reach the statutory retirement age stipulated by law, you can pay the pension for at least 15 years. As long as you meet this condition, you can receive the pension insurance for life. The meaning of lifelong payment is that after death, the old-age insurance is terminated and the old-age insurance is terminated. What can children inherit? But some of them can be inherited.
When people pay endowment insurance, they pay it in proportion to the employees of the employer. The part paid by the enterprise is credited to the overall account, and the part paid by the individual is credited to the personal account. The overall account and the personal account are also two independent accounts, in which the personal account funds are personal property, which can be said to be personal legal property. However, although this legal property belongs to me, it is not at my disposal, but should be enjoyed after the statutory retirement age stipulated by law.
Corresponding to the overall account and personal account, the calculation of pension is divided into two parts, one is pension, and the other is personal account pension insurance. The pension is collected by the part paid by the previous enterprise, that is, the part credited to the overall account. Personal account endowment insurance is actually collected by the personal account created by the part paid by oneself. If a retiree dies, part of the pension will not be paid, in fact, this part of the pension will not be inherited. As long as retirees die, the relationship between rights and obligations of social endowment insurance may be interrupted.
But personal accounts are different, because personal accounts belong to their own legal property and are paid according to the corresponding number of months. When a retiree dies, he does not receive the personal account for the corresponding number of months, and his relatives can inherit this part. Legacy is the rest paid to their relatives in one lump sum. However, the part that can be inherited in a personal account is not immediately taken away by relatives in different places. When a retiree dies, his/her relatives must report to the social security agency in the place where he/she retires in time, and stop the payment of pension, which will also cover some personal account pension insurance. When a relative goes to the social security agency where he retires to handle the death wage, the rest of his personal account can be paid to the relative in one lump sum, but not the children can be paid by the bank from other places.
Generally speaking, the old-age insurance can't be inherited, but the personal account old-age insurance in the old-age insurance can be inherited if you don't receive all the corresponding months, but you can't transfer it out until you go through the formalities at the social security agency in the social security insurance area; If a part of the personal account has been collected, the retiree will not inherit the old-age insurance after his death.