Widow’s & Widower’s Pension
The widow’s / widower’s pension is given to widows and widowers whose spouses satisfy certain conditions:
- if the spouses died after reaching the pensionable age the eligibility conditions are the same as for old-age pension;
- if the spouses have died before the pensionable age the conditions are the same as the point one and two of the invalidity pension;
- if the spouses have died due to an accident the conditions are the same as for the funeral grant.
How Is the Widow’s / Widower’s Pension Calculated?
Similar to the old-age pension, the widow’s / widower’s pension consist of a basic pension and a supplementary pension calculated as follow:
- the basic pension is 60% of the annual average basic covered earnings*, increased to 80%, 90% and 100% for one, two or three dependants respectively. The basic pension is calculated on a weekly basis.
- the supplementary pension in case of a widow / widower whose spouse died before receiving the old-age pension is 60% of the supplementary pension for invalidity (that he/she would have received if he would have been alive and invalid). In the case of a widow / widower whose spouse was receiving an old-age pension, the supplementary pension is 60% of the supplementary old-age pension paid to the deceased.
If the deceased spouse has not gathered enough social contribution to qualify for invalidity pension or old-age pension, than the widows / widowers will receive a lump-sum payment. In case the deceased did not reach the pensionable age before his / her death but has accumulated contributions of at least 156 times the weekly basic insurable earnings* (at least three years) than the widow / widower will also receive a lump-sum payment. In case the deceased didn’t reach the pensionable age but has accumulated enough contribution to qualify for old-age pension, the insurance conditions are the same as for the old-age lump-sum. This payment is 15% of the total amount of paid and assimilated basic contributions* and 9% of the total amount of supplementary paid and accumulated contributions.
*The weekly amount of basic insurable earnings is €174.38. The maximum amount of covered earnings is €1,046.
If the widow / widower remarries, she / he is entitled to a lump-sum payment equal to one year’s pension with no increase for dependants.
In case the widow has three dependants, the maximum benefits rates for a widows’ basic pension is 100% of the basic insurance. The law does not mention any maximum pension for the supplementary pension.
How to Get Widow’s / Widower Pension?
- the marriage certificate;
- an official death certificate from the District Office;
- a statement by the District Office that at the time of death the spouses were living together under the same roof, or in case they were separated to what extend the deceased person was supporting his / her spouse and / or their dependent children;
- the birth certificate of the deceased in case he / she was not entitled / receiving old-age pension or invalidity pension at the time of death;
- the birth certificates for each dependent child of the deceased;
- a student certificate for each unmarried dependent daughter between 15-23 years old or son between 15-25 years old;
- a certificate from the National Guard, for each unmarried son up to 25 years old serving the army;
- a medical certificate in case of any disabled unmarried child above 15 year old who is permanently incapable of work and supported by the applicant;
- in case the deceased was studying in an educational institution and was above 16 years old, the completion of the form Y.K.A. 1-010 is required;
- in case the deceased was serving the National Guard at the time of death the completion of the form Y.K.A. 1-011 is required;
- a statement of the International Bank Account Number (IBAN) signed and stamped by the applicant’s bank with the full details of the bank account where the transfer will be made.
The applications must be submitted within three months from the date of death.
Other Widows’ Benefits
Insured widows / widowers, who receive widow’s pension are entitle to old-age pension at the same time, once they reach the pensionable age. Certain limitations which concern the maximum amount of the supplementary pension applies in such cases.
Insured widows /widowers, who are entitled simultaneously to widow’s / widower’s pension and invalidity pension, can receive both pensions under certain limitations which concern the maximum amount of the supplementary pension.