Frequently asked questions

Answers to the most frequently asked questions concerning death, surviving spouse’s pension and orphan’s pension.

Death

If you die before reaching retirement age, a surviving spouse’s pension is due. The amount of the spouse’s pension is determined in the occupational pension plan and mentioned on your pension certificate.

If the surviving partner is more than ten years younger than the deceased policyholder, the partner’s pension will be reduced by 1% for each year over the ten years.

If you die after reaching retirement age, a surviving spouse’s pension is due. The amount of the spouse’s pension is generally 60% of the original pension income.

If the surviving partner is more than ten years younger than the deceased policyholder, the partner’s pension will be reduced by 1% for each year over the ten years.

If no spouse’s pension is due, the pension savings capital on the day of death is passed onto the legal heirs, in the following order:

  1. the policyholder’s children, who are entitled to an orphan’s pension as laid down in article 18
  2. dependants of the policyholder or the person with whom the policyholder lived continuously for a period of at least five years immediately preceding his/her death in the same household or who is responsible for at least one common child
  3. the policyholder’s children with no entitlement to the death benefit (in accordance with situation 1)
  4. the policyholder’s parents
  5. the policyholder’s brothers and sisters
  6. other legal heirs, excluding public bodies
If several beneficiaries exist in the same category, the capital is allocated in equal shares.

Each dependent child under the age of 18 (25 years in the case of apprenticeship or ongoing education) is entitled to an orphan’s pension. The amount of the orphan’s pension is determined in the occupational pension plan and mentioned on your pension certificate. After retirement age, it is generally equivalent to 20% of the pension income.

Groupe Mutuel

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