In recent years, as China’s population ages, more and more individuals beyond the statutory retirement age continue to work. However, when these ‘over-age workers’ suffer traffic accidents while on the job, compensation issues often become complicated. Under current Chinese law, individuals who have reached retirement age and are already receiving pension benefits are generally not recognized as ’employees’ under labor relations, but rather as ‘service providers’ under civil service contracts. This means they are typically ineligible for compensation under the Work-Related Injury Insurance Regulations.If an over-age worker is involved in a traffic accident during commuting or while performing work duties, liability must first be determined. If a third party caused the accident, the injured party may claim personal injury compensation under the Tort Liability section of the Civil Code. Additionally, if the employer was negligent—for example, by assigning unreasonable working hours or failing to provide safe transportation—they may also bear partial liability. Some regions in China have begun piloting programs to include over-age workers in work injury insurance coverage, either through separate enrollment or commercial insurance.Therefore, over-age workers and their families should enhance legal awareness, clearly stipulate safety provisions in employment agreements, and employers are encouraged to purchase accidental injury insurance for them. Broader legislative reforms are also needed to better protect this growing demographic.
近年来，随着人口老龄化加剧，越来越多超过法定退休年龄的人员仍选择继续务工。然而，一旦这些‘超龄务工者’在工作中遭遇交通事故，其赔偿问题往往变得复杂。根据我国现行法律，达到法定退休年龄并已享受养老保险待遇的人员，通常不再被认定为劳动关系中的‘劳动者’，而是被视为劳务关系中的‘提供劳务一方’。这意味着他们无法直接适用《工伤保险条例》获得工伤赔偿。若超龄务工者在上下班途中或执行工作任务时遭遇车祸，应首先判断事故责任方。如肇事方为第三方，可依据《民法典》侵权责任编向其主张人身损害赔偿。若用人单位存在过错（如安排不合理工作时间、未提供安全交通条件等），也可能需承担相应赔偿责任。此外，部分地区已探索将超龄人员纳入工伤保险覆盖范围，例如通过单独参保或商业保险方式提供保障。因此，超龄务工者及其家属应增强法律意识，在签订用工协议时明确安全保障条款，并建议用人单位为其购买意外伤害保险，以降低风险。同时，呼吁完善相关立法，为这一群体提供更全面的权益保障。
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