Occupational death has three distinct benefits: funeral allowance, dependants' pension and a national lump sum
Do not negotiate only one payment. China's funeral allowance equals 6 months of the insurance locality's prior-year average monthly employee wage. Eligible dependants receive monthly percentages of the deceased's wages: 40% for the spouse and 30% for each other relative. The lump-sum occupational-death benefit is 20 times the previous year's national urban per-capita disposable income, uniform nationwide.
What it takes
No fee described; complete the application process.
What you may gain
China's work-related death benefits have three separate parts. The funeral allowance is six times the previous year's average monthly employee wage in the insurance pooling area. The eligible-dependant pension is paid monthly as a proportion of the deceased worker's own wage: 40% for a spouse and 30% for each other eligible relative. The one-time work-related death benefit is 20 times the previous year's national urban per-capita disposable income, a single nationwide figure rather than a locally varying amount.
Context & considerations
TODO: the specific current amount derived from 2025 national urban per-capita disposable income was not verified from the National Bureau of Statistics original. The lump sum is nationwide; do not accept a lower figure justified merely as a local standard.
Research & references
Work-Injury Insurance Regulations, Article 39. Dependants must have relied mainly on the deceased and lack capacity to work. Isolated older dependants or orphans receive an additional 10 percentage points above the relevant monthly rate. Funeral allowance uses 6 months of prior-year local average employee wages; the lump sum uses 20 times prior-year national urban per-capita disposable income. https://www.gov.cn/gongbao/content/2011/content_1778064.htm