The survivor’s pension is a social benefit to which the spouses or ex-spouses of a deceased person may claim. For this, the missing insured must have contributed to one or more pension plans. However, its payment is not automatic since it is subject to different conditions of resources, age, as well as the marital status of the surviving spouse. It is, in fact, essential to make a request to be able to benefit from it. What happens when you have been married several times? Is it possible to combine several survivor’s pensions?
The conditions for obtaining a survivor’s pension differ according to the schemes to which the deceased person contributed. In any case, you have the obligation to have been married to the missing person since the PACS and cohabitation are not recognized by this system. For the basic scheme, your resources must not exceed 21,320 euros per year if you live alone and 34,112 euros if you are in a relationship. The minimum age to be eligible for a survivor’s pension is 55, but you may have remarried since your separation.
Regarding the Agirc-Arrco supplementary schemes, there are no conditions of resources prior to payment. The minimum age varies between 55 and 60, but this time remarriage is not allowed. Finally, for the civil service, no means test is required, while the minimum age for benefiting from the pension is 55 and remarriage is still not accepted.
When your spouse or ex-spouse dies, you can benefit from a survivor’s pension, but for this you must apply to the pension funds concerned. It is therefore possible to claim as many pensions as schemes to which he was affiliated.
Depending on the plans, the reversion rate to which you will be entitled varies between 50% and 60%. To be certain of receiving this pension, you must have been married to your spouse. There is a special and unique portal on which you can carry out all your procedures by sending, at the same time, all your requests to all of your spouse’s plans.
In some cases, it is possible to find yourself faced with the prospect of obtaining several survivors’ pensions. You can absolutely combine a first survivor’s pension with another pension obtained following the death of a second spouse. However, if the missing person was married to someone other than you, you will have to share this future survivor’s pension.
When your spouse has remarried, the calculation of the survivor’s pension is carried out in proportion to the duration of each marriage. Remarriage is still prohibited in certain cases, in particular the supplementary scheme for private sector employees, that of farmers, the liberal professions, as well as those of the public service.