How does Social Security death insurance work?

How does Social Security death insurance work?

Anyone subject to the general health insurance scheme (ie Social Security) can claim the payment of a death benefit to their loved ones. You should contact your local Primary Health Insurance Fund to find out about the terms and conditions relating to entitlement.

The deceased, for a death benefit to be paid to their relatives, must meet one of the following conditions, according to Article L361-1 of the Social Security Code:

    the worker was employed in the last 3 months before his death;
    he received an indemnity from Pôle Emploi over the same period or received at least one during the last 12 months;
    he was in receipt of the invalidity pension;
    he was receiving an annuity for an occupational accident or illness (AT / PD).

The amount provided by health insurance for a person's death benefit remains low and is a priori only used to cover funeral expenses. As of January 1, 2021, here are the different amounts of death benefit granted by Social Security:
Death benefit for an employee
Rising
€ 3,476
Death benefit for a self-employed person who is not retired
Rising
€ 8,227.20
Death benefit for a retired self-employed worker
Rising
€ 3,290.88

The capital in question is not subject to inheritance tax, not entering into their calculation. It is therefore possible to claim it even in the event of refusal of the deceased's net estate assets.

Unless a recent cessation of activity or the continuation of an activity, retirees cannot claim the payment of the death benefit from Social Security.
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