Dependant's pension

Dependant's pension is a collective term for payments made after a person has died

Spouse's pension - paid to the surviving spouse
Cohabitant's pension - paid to the cohabitant
Child's pension - paid to children

Dependant's pension provides financial peace of mind to spouses, registered partners and children. Dependant's pension is a collective term for:

Spouse's pension – payout to the surviving spouse or registered partner.

Child's pension – payout to children under a certain age, usually 20 or 21 years, depending on the scheme.

Who is entitled to dependant's pension?

Entitlements vary depending on which pension schemes the deceased was affiliated with.The recipient, amount and length of the payment depend on the agreement you had and your family composition.

Different pension agreements have different disbursement rules

Own pension account and defined-contribution pension Pension capital certificate

These agreements are first paid as a child’s pension to any children under 21 years of age. Disbursements are up to 1 G per year in total across the schemes, until the child turns 21 years of age.

If there is anything left after the child's pension has been paid out, or if you do not have children under the age of 21, this will go to your spouse/cohabitant and be paid out over at least ten years.

If you do not have children or a cohabitant / spouse, the money is paid directly to the deceased’s estate as a lump sum

Individual pension savings (IPS)

Private life insurance

Defined-benefit pension/risk pension

For risk pensions linked to defined contribution and defined-benefit pensions, it is determined in advance whether a person (and which person) can receive a payment if you die. There may be coverage for:

Spouse’s pension
Cohabitant’s pension
Child’s pension for children under 18 or 21 years

However, there are specific rules that must be met before the money can be paid out. Some policies have no coverage for survivors at all.

If no one meets the requirements for a survivor's pension, the agreement is terminated – and nothing is paid out.

Paid-up policy and paid-up policies with investment options

For paid-up policies and paid-up policies with investment options, it is determined in advance whether a person (and which person) can receive a payment if you die. There may be coverage for:

Spouse’s pension
Cohabitant’s pension
Child’s pension for children under 18 or 21 years

However, there are specific rules that must be met before the money can be paid out. Some policies have no coverage for survivors at all.

If no one meets the requirements for a survivor's pension, the agreement is terminated – and nothing is paid out

Group life and personnel insurance

When someone close has passed away

It is painful to lose someone you care about, and at the same time there are many practical matters that need to be taken care of.

See what might be worth considering

Dependant's pension

Who is entitled to dependant's pension?

Different pension agreements have different disbursement rules

When someone close has passed away

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Contractual pension scheme - AFP