2024-04-03 16:24:18
After the death of an employee, their surviving spouse can claim a survivor’s pension. This is a social subsidy granted only to married spouses. Its amount represents a percentage of the retirement pension received or which was to be received by the deceased spouse.
The survivor’s pension is paid under certain conditions. The main criterion is to have been married to the deceased spouse. In fact, couples in a civil partnership or cohabitation are not affected by this allowance. However, certain supplementary plans require having been married for a minimum period of two years before the death of the member. This is particularly the case for civil service retirees, whose compulsory marriage period is 4 years. This condition can be set aside if the couple in question has children.
In certain supplementary plans, the surviving spouse is subject to income conditions. But, for the most part, this criterion is not imposed. In the event of remarriage after the death of the affiliated spouse, the former spouse loses his right to survivor’s pension. However, in the event of divorce, he can still try to claim it. Finally, it is important to emphasize that the payment of this subsidy is not done automatically. Spouses who are eligible must make their request, preferably during the 12 months following the death of the spouse, because beyond that, its payment will not have retroactive effect.
The amount of the survivor’s pension in 2024
The amount of the survivor’s pension represents part of the amount of the pension received by the affiliated employee before his death. For example, for the Agirc-Arrco scheme, the pension represents 60% of the pension of the person concerned. While it stands at 50% for civil service retirees. The easiest way to get an estimate is to use an online simulator.
The pension insurance company offers one on its website. However, it only concerns public sector employees and self-employed workers. Unlike the GIP Union Retraite simulator, put online since October 31, 2023, which is open to more regimes, in particular the liberal professions and so-called “special” regimes, such as those of the SNCF or the RATP.
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