Widow's pension: How it is calculated, how much is charged and what is needed to qualify for it
The death of a loved one is always a time of hard and sadness but if that person is the couple you have to mentalize about all the paperwork that must be done to leave everything well tied and have all the documents in order.
When one of the members of the couple or the couple dies, one must be informed about everything that needs to be done. One of the things that must be taken into account is the widow's pension that is left to the widow or widower.
n the case of loss, being married to your spouse, you have to take into account the conditions for which you can receive a pension for life
The widow's pension is the amount of money left to the widow or widower for life. It is granted as long as there is a union of marriage or common-law marriage between the deceased and the person requesting the economic benefit.
This monthly income for the loss of the spouse is fully compatible with any income for work reasons, with the retirement pension or the one offered for a permanent disability. None of them is exclusive.
You can not receive several widow's pensions, that is, if a person has been part of a marriage or domestic partnership and receives a benefit for the death of the couple can not collect a second pension if it becomes a widow or widower of a second couple. In this case you will have to choose which one you want to stay with.
How is it calculated and how much is charged? The amount of money included in the widow's pension is obtained by applying the percentage corresponding to the regulatory base. If the death has occurred due to an accident at work or occupational disease the amount will increase between 30% and 50% depending on the severity.
The causes of death and its severity vary the amount of the widow's pension
The corresponding percentage will be 52% of the regulatory base except for some exceptions in which the percentage to calculate the pension that the widower or widow will receive after the death of the person with whom they have shared a marriage will increase by 70%.
The exceptions established by Social Security are:
1 That the person receiving the widow's pension have family responsibilities. Family obligations are understood to be living with children under 26 years of age or with persons over this age who are incapacitated. For the latter case, a disability equal to or greater than 33% must be accredited.
2 That the widow's benefit supposes the only source of income of the person who has just lost his partner. This requirement is met when the annual amount of the widow's pension is greater than 50% of the widow's or widower's total income.
The fact of having dependent children or disability influences the amount received for the widow's benefit
3 That the widow's pension, on an annual basis, plus the annual income of the widow or widower does not exceed the income limits that are set at 17,486.97 per annum from January 1, 2018. If this is not fulfilled, it will be reduced the amount of money received for the benefit.
What is needed to be entitled to the widow's pension? The first thing to do when a member of the couple or the couple dies is to fill out the application form of Survival Benefits and attach the personal and specific documentation that is indicated in the model cited above.
The application and additional documentation must be presented at the Social Security Information and Care Centers of the National Institute of Social Security. The people who work in the sea must present it in the Provincial Directions of the Social Institute of the Navy.
To be able to access the widow's pension, the model of Survivorship Benefits must be completed
The National Institute of Social Security will be responsible for recognizing the right to obtain the widow's pension that is requested. In the case of those who work at sea, the responsibility falls on the Social Institute of the Navy. If the death was due to an accident at work, it would be necessary to go to the Mutual Collaborator with the Social Security.
The widow or widow of the couple or the couple can request the economic benefit at the time they want after the death of their spouse. Said widow's pension will be paid with a retroactivity of three months.
When the right to a widow's pension expires? There are also a series of facts or situations for which the widow's pension is not paid. You have to know the regulations to know the time or the reasons why Social Security stops entering the corresponding amount of money:
1 By contracting a new marriage or creating a de facto couple. This situation is subject to exceptions that can be consulted at the National Institute of Social Security.
The persons responsible for the death of your husband or wife are not entitled to receive a widow's pension
2 For being the culprit of the death of the other person who was part of the couple's marriage. It must be by declaration in final judgment.
3 Due to the death of the person receiving the widow's pension.
4 If it is verified that the person who is missing has not died.
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