Survivor's pension 2024, beneficiaries and amounts

The surviving family members of the deceased pensioner are entitled to the so-called reversibility pension, i.e.
a percentage of the allowance that was received when he was alive.
Reversibility is usually granted to spouse and children, but in their absence other family members such as parents, brothers or sisters can also benefit.
However, grandchildren are never entitled to it.
The survivor's pension is part of the broader set of so-called survivors' pensions, which also includes the indirect pension.
The difference between the two benefits is that in the first case the deceased has already accrued the right to social security treatment, which is then passed on to the surviving family members taking into account certain percentages, while in the second he was still working but had nevertheless accrued a seniority of contributions sufficient to be recognized as the so-called indirect pension.
The rules for the calculation are always the same, however every beginning of the year the limit within which it can be cumulated with other income (for example work income) is reviewed.
In fact, those who work can still take the reversibility pension, but risk having the amount reduced when they earn a lot of money.
In light of the inflation rate of 5.4% ascertained by the INPS, this year the aforementioned limit has increased, which is obviously good news.
Let's see how much in this complete guide on the reversibility pension, where in addition to listing the family members who are entitled to it we will focus on how much is due depending on the case.
Reversibility pension 2024 Which family members are entitled to it? Calculation of the survivor's pension When is it cut? Submission of the application Which family members are entitled to it? As seen above, reversibility is the pension treatment recognized in the event of the pensioner's death in favor of the surviving family members.
But who are these “surviving family members”? Depending on individual family situations, different family members can benefit from the reversibility pension, here is a small examination.
Spouse The spouse (even after just one day of marriage) or the civil partner is entitled to the reversibility pension.
It is also due to the separated spouse, even in the event of separation with debit and without the right to maintenance allowance.
However, in the event of remarriage of the surviving spouse, the survivor's pension is revoked.
It is also due to the ex-surviving spouse in the event of divorce, but provided that certain conditions are met: he or she is entitled to the divorce allowance; he did not remarry; the date of commencement of the deceased's insurance relationship is prior to the date of the sentence pronouncing the dissolution or termination of the civil effects of the marriage.
If the assignor has remarried, the survivor's pension is due to both the divorced spouse and the surviving spouse.
Children Always to minors, as well as to disabled children dependent on the parent at the time of death (regardless of age).
In the case of adult children, however, the essential condition for being entitled to a reversibility pension is being dependent on the parent at the time of death and being no older than 21 years.
It is also necessary that they are students, or in any case attend schools or professional training courses comparable to school courses, and not work.
Only in the case of children attending university is it up to the satisfaction of the aforementioned conditions, within the limits of 26 years of age.
Other family members As a rule, therefore, the spouse and children of the assignor are entitled to it.
But in the absence of these two categories of family members, or in any case if they do not satisfy the envisaged conditions, it will be up to: parents of the assignor, provided that at the time of death they are at least 65 years of age, do not have a pension and were the responsibility of the assignor; in the absence of the parents, or in any case if they are not entitled to it, brothers and sisters can also request access to this benefit provided they are unable to work, unmarried and do not receive any other pension.
Furthermore, they had to be dependent on the deceased person.
read also Double reversibility pension: is it possible? When two years are due Calculation of the survivor's pension The amount of the survivor's pension is equal to a certain percentage of the pension that was paid to the predecessor.
For example, in the presence of the spouse and any children, it is distributed as follows: Surviving subjects Percentage Spouse only 60% Spouse plus one child 80% Spouse and at least two children 100% In the absence of the spouse, i.e.
when the children are entitled to it, or parents or brothers and sisters, reference must be made to the following table: Surviving subjects Percentage One child 70% Two children 80% Three or more children 100% One parent 15% Two parents 30% One brother or sister 15% Two brothers or sisters 30% read also Reversibility pension: how is the amount due to survivors calculated When is it cut? As anticipated, the amounts due can be combined with the beneficiary's other income only when they do not exceed certain limits.
Above this, the cuts to the recognized reversibility quota are triggered, except in the case in which the beneficiary is part of a family unit with minor children, students or disabled persons.
The general rule provides that the cut amounts to: 25% between 3 and 4 times the minimum pension, i.e.
within the threshold ranging from 23,345.73 euros to 31,127.64 euros (in 2024); 40% between 4 and 5 times the minimum treatment, therefore above 31,127.64 euros but within 38,909.55 euros; 50% above 5 times, i.e.
above the threshold of 38,909.55 euros.
It should be specified, however, that with sentence no.
162 of 30 June 2022, the Constitutional Court placed a limit on cuts to the survivor's pension, establishing that the amount cannot be reduced by a sum that exceeds the overall amount of additional income.
read also Are old-age pensions and survivors' pensions compatible and cumulative? Submission of the application This starts from the first day of the month following the month of the pensioner's death.
But you need to send the application as this right is not automatic.
The application for the reversibility pension must be submitted online to INPS through the dedicated service (click here).
Alternatively, you can ask for support from the INPS contact center operators (by calling the toll-free number) or from a charity.
In the case of a divorced spouse, it will be necessary to turn to the court.
As regards the application for a reversibility pension due to the spouse, a service created by INPS has been operational for some years in order to make the entire procedure simpler.
Known as "pre-compiled reversibility", with this service the surviving spouse will be informed by SMS of the possibility of sending the application simply by accessing their personal MyInps area, where the already pre-compiled application will be available with all the information necessary for the purposes of the request.