received in Germany in 2009, a total of just over 5.8 million citizens have an survivor . On average, the amount of benefits per recipients was 513 € per month. Widowers, orphans and young widows were even significantly less. This emerges from a recently released statistics Pensions Insurance (DRV) out.
The survivor pension is made up of large and small widow who full and half orphans education and pension together. Just under 4.9 million women received 2009, a large widow's pension is payable monthly average of 569 Euro. Over 9,000 widowed wife had to deal with the small widow's pension that is less than half the large widow's pension is satisfied. € 252 was the monthly pension for the approximately 540,000 widowers. A small widower pension received about 1,200 men.
conditions for the large widow's or widower's pension
Since 1 January 2002, the large widow's or widower's pension to 55 percent of the pension due to complete reduction of the deceased. For those who have married before that date or before 1 Born January, 1962, the old system is 60 percent. In the little widow's or widower's pension of 25 percent of the deceased are scheduled for complete reduction. has
entitled to the Widows 'and widowers' pension In principle, the remaining, if the spouse has died pension insurance law met the general waiting period of five years. In addition, should the widower or widow after the death of the spouse not remarry.
A large widows and widowers And only the surviving spouse, either the 45th Has reached the age, earning capacity is reduced or a child, not educating over 18 or disabled.
education and small widow's and widower's pension
All that the above conditions for a large pension for widows and widowers do not have to get a small widow's or widower's pension. The latter, however, granted for a maximum of 24 months after the death of the insured.
Less well known is the so-called education pension. Entitled to statutory pension insurance have only themselves to their marriage after 30 divorced in June 1977 and was the divorced spouse is deceased.
also must educate the remaining parent's own child, have not remarried and have met until the death of the divorced spouse of the general period of five years. Less than 1,000 people in Germany received in 2009 a corresponding survivor pension of 740 euros on average.
survivor's pension for children
This also surviving children have the right to an orphan's pension, they must be under 18 or with disabilities can not even pay for their maintenance. For children who are still in an educational or vocational training, a maximum age limit of a maximum of 27 years. must also have met the deceased, the general period of five years.
is basically the amount of the orphan's pension 20 percent and 10 percent of the half-orphan's allowance of the pension which would have been entitled to or the deceased at the time of death at a full disability. Additional charges are possible, the number of insurance records of the deceased or . Depend
entitled to a full orphan's pension has a child if no dependents requiring a parent is gone. 2009 received nearly 8,400 children a corresponding survivor pension of an average of 323 €. Almost 362 000 adolescents were given a half-orphan's pension of 156 euros, after a dependent parent responsible is deceased.
The right hedge
If you want to know exactly how much personal security of the survivors is concrete and how a supply gap is replaced by us help.
To a potential deficit between the current household income and the amount available to secure after a death, offers the insurance industry to various retirement products.
For those looking for a optmialen survivors protection according to the personal needs and situation, we recommend a comprehensive consultation.
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