The reversionary pension is an amount paid to the surviving spouse of a deceased insured, as well as to their children. This sum represents a variable percentage of his retirement pension. What are the terms to get there ? All the details in this article.
Summary
Reversionary pension : how does it work in basic diets?
The basic plans concern:
- Industrialists;
- Private sector employees;
- Liberal professionals;
- Craftsmen and Tradesmen;
- Agricultural employees and non-employees;
- Civil servants.
In the first five cases, the surviving spouse retains his survivor’s pension after remarriage. However, it must have 55 years minimum and maximum annual resources 21,985.60 euros if he lives alone, and 35,176.96 euros if he is in a relationship. Questions about your situation? Click here for additional information.
Reversion pension for civil servants
The beneficiary must have been married to the deceased at least for 4 years, or for 2 years before departureyou retired of the insured, unless he had children with the latter. He loses his right in the event of remarriage, PACS or cohabitation.
If both spouses were divorced before death the survivor must not have any other pension rights under a new union. Also, no widows or children with pension entitlement under the insured must not exist.
And the orphans?
Children touch the orphan’s pension if they are under 21 and the parent was a civil servant. This age limit does not apply to disabled children.
What about the survivor’s pension in the supplementary schemes?
There are 6 main situations, and the conditions vary depending on the case.
Reversion Agirc-Arrco
The surviving spouse must be not remarried and aged at least 55 years old. This last condition is canceled if he has 2 dependent children, disabled or aged 25 or less (students, apprentices or job seekers).
The orphans receive the pension if the parent was a contributor or retired from Agirc-Arrco.
Complementary scheme for craftsmen, merchants and industrialists
The beneficiary spouse must be at least 55 years old, thus annual resources less than or equal to 82,272 euros (2021). Note that here, a remarriage does not cancel the right to a pension.
Reversionary pension for the supplementary scheme for self-employed farmers (MSA)
The beneficiary must have been married for at least 2 years to the deceased, be at least 55 years old or have 2 dependent children, or be invalid. Remarriage cancels his right.
Complementary schemes for the liberal professions
Ten different funds take care of these plans according to the trades. It is therefore advisable to refer to the corresponding fund to find out more.
Complementary public service scheme
marriage and the concubinage notorious cancel the pension. However, a separation gives the possibility of reapplying. The orphan’s pension is subject to the same conditions as in the basic schemes.
Complementary scheme for non-civil servants (Ircantec)
The beneficiary must have been married for 4 years, or 2 years before the insured’s 55th birthday, or before his termination of activity, unless they have had at least 1 child. He must also be at least 50 years old or have 2 dependent children. If he remarries, the right to a pension is cancelled. Disabled children or children under 21 receive the orphan’s pension.
What to keep in the end?
The conditions of access to the survivor’s pension vary from one scheme to another. In general, these conditions relate to the duration of the marriage, the age of the surviving spouse (or orphans), his annual resources, the existence of children as well as the existence or not of a remarriage, PACS or cohabitation.
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