Can A Wife Receive Her Husband's Pension After His Death?

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Can A Wife Receive Her Husband's Pension After His Death?
Can A Wife Receive Her Husband's Pension After His Death?

Video: Can A Wife Receive Her Husband's Pension After His Death?

Video: What Happens to Social Security When My Spouse Passes Away? 2022, December
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The death of her husband - one of the closest people in the life of every woman - is always grief. And if the husband was the only breadwinner of the family, who pulled everything on himself? The wife has the option to retire her husband herself in some cases.

Can a wife receive her husband's pension after his death?
Can a wife receive her husband's pension after his death?

In the event of the death of her husband, the wife has the right to refuse her own insurance pension and issue a new one, receiving it for her deceased spouse. This enables women who have lost their only breadwinner to improve their financial situation and not fall below the poverty line established by law. Even in such a difficult life situation, one should not forget that time will pass and your urgent needs will make themselves felt. Of course, many are limited to obtaining a subsidy, but everyone should receive what he is entitled to by law, and you cannot wait until your pension is automatically reissued.

When is the best time to issue

It will be possible to issue such a widow's pension only from January 1, 2015, when the new law will fully come into force. If the widow does not immediately re-register, her own pension will simply be increased by the coefficient established by the new law. However, you should immediately contact the pension authorities with a statement, where you indicate the reasons why you need to recalculate your insurance pension. Remember that the sum of your retirement score must be higher than the general inflation rate. If you cannot calculate the amount of points yourself, just ask your inspector for clarification or simply contact the pension insurance service. Do not forget that the amount of points changes every year, and you will need to recalculate your pension every year. According to the rules, after each recalculation, the amount of your pension will increase, although the increase may not be so significant.

Other nuances of registering a widow's pension

We should not forget about the accrual of various amounts of insurance pensions to working and non-working pensioners. For those who have retired, the coefficient will be consistently higher than for those who continue to work. So you should decide for yourself whether it makes sense to continue working if the difference in the final income is insignificant, because for those people who have not yet retired for various reasons, having reached the retirement threshold at age, the future insurance pension consists of two completely different parts. The estimated part until 2002 and the part that is formed from the actual insurance premiums. But it is this second part that most often has a significantly lower insurance indexation coefficient. Watch out for these important nuances.

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