All pension systems offer the payment of a survivor’s pension in the event of the death of your spouse. Thus, part of the retirement pension that was paid to him, or that he could have had, comes back to you directly in this case. However, care should be taken since the survivor’s pension is subject to means testing in the general basic scheme for private sector employees, the self-employed or even farmers. Here are the 6 incomes to take into account when calculating your survivor’s pension.
To receive a survivor’s pension, the surviving spouse must be at least 55 years old when applying. In order to benefit from this pension, it is essential to have been married to the deceased life partner, regardless of the duration of the marriage. In the event of remarriage or new life together, you can also claim this survivor’s pension. In particular, there may be a partition with the new spouse of the deceased person. A PACS or cohabitation does not therefore give you the right to a survivor’s pension. This is not granted automatically, you must apply for it from your spouse’s affiliation scheme.
The survivor’s pension is paid according to certain conditions of resources. Annual resources are thus taken into account at 70%, which is equivalent to the application of a 30% reduction. As regards the quarterly ceilings, for the year 2023, it amounts to 5,860.40 euros gross for a single person, i.e. 1,953.46 euros per month, and 9,376.64 euros for a couple, i.e. 3,125.54 euros per month. In the year, you must therefore not exceed the sum of 23,441.60 euros if you live alone or 37,506.56 euros if you are once again in a relationship. Find out, in our slideshow, what income is taken into account to calculate your survivor’s pension.
