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Return Pension: Find out who is entitled to it and how to get it easily.

gave Reversibility pension It is a form of financial assistance given to the family members of a person who was already receiving or was eligible to receive a pension at the time of death. Thanks to this, the relatives of the deceased can face the loss without severe financial hardship as they get financial assistance which reduces the burden of daily expenses and immediate needs. Guaranteeing this type of subsidy therefore means protecting the right of survivors to maintain a dignified life even if there is no main breadwinner. Having said that, here is who is entitled to this type of subsidy: How it worksWhat are the processing times for measurements and How to Apply.

Who is entitled to reversibility pension?

In case of the death of the pensioner, the surviving family members are entitled to a reversibility pension equal to a percentage of the allowance. However, we talk about indirect pension if the insured dies before retirement.

Persons who are eligible for retirement benefits as successors:

  • il Spouse from o A civilly united person. If a spouse remarries, however, he or she loses the right to this treatment. In fact, he is only entitled to a one-time allowance equal to two years of pensionable portion. Thirteenth month salary is also included and the allowance is calculated on the basis of the pension due on the date of remarriage (this is called double annuity);
  • il separated spouse;
  • il Divorced spouses But only if he is entitled to divorce allowance and has not contracted a new marriage. The date of commencement of the insured relationship of the deceased, however, must be prior to the date of sentence of dissolution/termination of marriage.

However, if the deceased remarries after the divorce, the shares of the surviving spouse and the divorced spouse are established by the court. Survivors’ pension is also due to minor children, who are unable to work and are dependent on their parents irrespective of their chronological age. Additionally, for adult children who are studying and dependent on parents at the time of death and up to the age of twenty one. We are talking more precisely about people who do not engage in work activity and do not attend schools or vocational training courses that may be equivalent to school courses. And again, for adult children who are not working at the time of their parent’s death and are enrolled in university within the statutory period of study and after the age of 26.

When the dependents are considered dependents of the deceased pensioner.

i Survivors It is understood Depends on the person who died If they are not financially self-sufficient and if they benefit from routine care. To determine this aspect, association with the deceased is relevant even if it is not the only factor to be considered. As INPS explains, student children can access survivor’s pension even if they do little work. The annual income, however, must not exceed the minimum payment provided by the employee pension fund, increased by 30% adjusted on the basis of the time of work activity.

If the deceased has no children or spouse, who is entitled to pension?

If the deceased has no spouse and children and if the deceased is not entitled to this benefit, he can avail the refund. Parents of the deceased. However, this is possible only if the latter has attained the age of 65 years at the time of death, is not receiving pension directly/indirectly and is a dependent of the deceased worker. If parents are also missing, unmarried sisters or brothers who are unable to work, who do not have direct/indirect pension and are dependent on the deceased, are entitled to survivor’s pension.

How and when to apply for survivor’s pension

Moving forward is easy. Application for Retirement Pension. Just connect to the INPS website and use the dedicated service. Alternatively, you can contact the call center from a landline on a toll-free number which is 803.164. From a mobile network, however, the number to dial is 06.164.164, the cost of which depends on your operator. There is also the possibility of contacting National Social Security Institute sponsored institutions or intermediaries. The standard deadline for issuing measures is set by Law no. 241/1990 in 30 days. In some cases, however, the law may establish different deadlines.

Religious reform

In 1995, with religious reforms, the contribution method was introduced for pension calculation. It set limits on the survivor’s pension accrual along with any earnings of the surviving spouse. The survivor’s pension amount is added to the surviving beneficiary’s income so if the survivor’s income increases, the survivor’s pension amount can be reduced.
Law No. 335 of 1995 established the criteria for obtaining this allowance. Widows and widowers with an annual income of up to 23,345.79 euros if their income has no reduction, while if it is between the latter figure and 31,127.72 euros there is a 25% reduction. Additionally, there is a reduction of 40% for incomes between EUR 31,127.72 and EUR 38,909.65 and 50% for those above EUR 38,909.65.

What are the rates?

Survivors’ pension is calculated as a percentage of the pension that was already paid or would have been due to the deceased insured person. The fixed rates are as follows:

  • 60% if spouse is single;
  • 80% if spouse and 1 child;
  • 100% if spouse and more children.

However, in case only children, parents, brothers or sisters are entitled to pension, the rates of withdrawal are as follows:

  • 70% for 1 child;
  • 80% for 2 children;
  • 100% for 3 or more children;
  • 15% for 1 parent;
  • 30% for 2 parents;
  • 15% for 1 brother/sister;
  • 30% for 2 brothers/sisters;
  • 45% for 3 brothers/sisters;
  • 60% for 4 brothers/sisters;
  • 75% for 5 brothers/sisters;
  • 90% for 6 brothers/sisters;
  • 100% for 7 brothers/sisters.

News for the grandchildren

The right to reversibility pension is also extended by the INPS to adult grandchildren who are unable to work and are dependent on their grandparents in the event of the latter’s death. That’s why there are grandchildren. Equal to the children of the deceased If on the death of the grandparents they are dependent on them. In more detail, we are talking about minors, adults who are students in schools or training courses up to the age of twenty-one or twenty-six if enrolled in university, and adults who are unable to work. . It is not necessary for the grandchild to live with the deceased grandparent to get the pension. All that is required is to show that they are not financially self-sufficient and that relatives have made a significant and continuous contribution to their maintenance.

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