Abstract: According to the two main functions of work-related injury insurance，which are compensating the labor losses and guaranteeing basic life，the standard of reasonable benefit has been discussed. Taking 15 years old, 50 years old, 35 years of age as 3 injury age to compensate the labor losses and guaranteeing basic life were used to count and compare the level 1-4 disabled migrant workers’ one-time work-related Injury Insurance benefit level. Take level 1 disability as an example. The one-time payment could not compensate the labor losses in all regions and could not guarantee the basic cost of living allowances in 63% regions at the age of 16.The one-time payment could not compensate the labor losses in all regions and only 22% areas could not guarantee the basic cost of living allowances at the age of 35. At the age of 50，all regions could guarantee the basic cost of living allowances，but 22% areas could not compensate the labor losses .This fully illustrated that China's level 1-4 disabled migrant workers’ one-time work-related Injury Insurance payment standard is too low. It is difficult to effectively protect injured migrant workers ' basic rights.