上海推行遗属保险可行性研究

Study on the Possibility of Establishing Survivor Insurance System in Shanghai

由于死亡具有不可预测性和不可规避性,跳出社会救济范畴,通过精算将遗属津贴纳入社会保险体系成为发达国家的普遍做法。遗属保险不仅保障了遗属的基本生活,还很好地推进了性别平等。中国社会保障制度尚未将遗属生活保障完整地架构在社会保险体系之中。上海,作为中国经济最发达的城市,在两性预期寿命日趋拉大的情况下,有条件也有必要尽快试行遗属保险制度。

Since death is unpredictable and unavoidable, survivor benefits are included into social insurance system instead of social relief system in most developed countries. Survivor insurance not only provides survivors with basic financial security but also promotes gender in the whole society. However, in China, survivor＇s living guarantee issue hasn＇t been into social insurance frame. With the gap in male and female life expectancy enlarging most de SOOn as equality covered , asthe veloped city in China, Shanghai could and should establish survivor insurance system as possible.