Despite a significant improvement in the last ten years, the pensions of women remain on average less than 25% those of men, which they survive the older. They amounted on average to 1 322 euros per month in 2016, according to the latest figures from the Drees (directorate for research, studies, evaluation and statistics). The gap would be significantly larger without the "pension reversion" (the death of a spouse) and the increases for children, the essential elements to improve their retirement.
THE CONTROVERSY >> Pension reversion: too much inequality
On the 4.4 million pensioners in receipt of a survivor's pension, 90% of which are women, for whom it is a vital resource. Figures that explain the controversy surrounding a working document of the government (in the framework of the pension reform) in which it was a question of whether or not to retain the current system of survivor...
Agnès Buzyn was repeated in the Senate on Thursday, June 21 : the rules for the allocation and calculation - different pension plans - create "injustice" and must be "reset to flat" and "harmonised"... six questions and answers, the contours of the retirement to the female.1. The death of a spouse or ex-spouse, who has the right to a reversionary pension ?
The rules vary depending on the pension plan. To be entitled to a reversion of the basic pension of social security to a spouse or ex-spouse, you have to have been married and that the spouse has contributed to the Cnav. The survivor's pension of the social Security is subject to age requirements and resources. To qualify, you must have reached 55 years of age and have resources in annual gross of less than 20 550 € if you live alone, and 32 880 € if you live in couple.
In the case of death of the spouse prior to 2009, you can claim to the reversion of his basic pension from age 51. This is the age of the beneficiary of the reversion, and not of the deceased, which account. For example, in the case of death of the spouse before the age of retirement, if the survivor has reached the required age, he can apply for his reversion.
THE FOLDER >> survivor's Pension : who can touch it? What are the steps to perform?
from 2019, the minimum age to receive a pension reversion Agirc-Arrco will also be harmonized to 55 years of age, and no age requirement for those with two children to support, while he is currently 55 years of age to obtain a reversion of pension Arrco but 60 years for a reversion pension from Agirc.
in Contrast to the Cnav, which does not impose celibacy, persons who remarried were not entitled to the reversion of the pension Agirc-Arrco their ex-spouse died. On the other hand, the reversion pension from Agirc-Arrco is not subject to conditions of resources.2. What is the maximum amount of the survivor's pension ?
The survivor's pension of the social Security is equal to 54% of the pension which was or would have been able to benefit from the spouse or ex-spouse deceased, always in the limits of resources and benefit. The survivor's pension, the maximum of the Cnav is 894 euros per month, with a ceiling of resource 1712 euros per month for a single person. In total, the Cnav possibly reduces the survivor's pension, in order that the resources of the beneficiary, including the reversion, do not exceed the maximum resource. If the spouse died before retirement age, the survivor's pension is calculated on the pension that they would have had given the quarter missing, but without the discount applied to those who leave before the full rate.
For the pensions Agirc and Arrco, the amount of the reversion pension shall correspond to 60% of the pension of the spouse or ex-spouse died.
The reversion pension from Agirc-Arrco is calculated pro rata for the duration of marriage in relation to the duration of the contribution of the deceased. If the duration of marriage is twenty years and the contribution period of forty years, the reversion is reduced by half.3. How to calculate the survivor's pension according to the length of the marriage ?
In case of a unique marriage, the survivor's pension of the Cnav is the same, whether the marriage lasted a few years or several decades, whereas the survivors ' pensions of the Argic-Arrco take into account the duration of the marriage. "The amount of the survivor's pension of the former spouse divorced not remarried, in the absence of a widow, is proportional to the duration of marriage reported at the time of insurance of the deceased," says Agirc-Arrco.
When a person has been married several times, her survivor's pension is shared between the surviving spouse and former spouses in proportion to their length of marriage. For example, if a person has been married once for ten years and after twenty years, the survivor's pension will be divided between one third for the wife married ten years, and two-thirds for the wedding twenty years ago. In the case of supplementary pensions Agirc-Arrco, we apply a first reduction if the total duration of the marriages is less than the duration of the contribution. Then we apportion the reversionary pension so calculated according to the duration of each marriage.
Practice >> Compare the best deals of health mutuals in partnership with DevisProx4. If two retirees are married and that the decè, the survivor has a right to a reversion of the pension of the deceased spouse ? Under what conditions ?
in The light of the retirement of the national Fund for old-age insurance, the fact that two retirees of marriage opens the right to the survivor's pension of the surviving spouse in case of death of the other. However, in the presence of previous marriages, the advantage provided by this late marriage would be less of an interest because the survivor's pension would be calculated in proportion to the durations of marriage.5. What pension rights afforded by the fact of having had children ?
Various devices to improve the pension rights of women who have had children, according to the pension plans. Motherhood is a first step. The general arrangements, the fact of having given birth allowed to complete the quarter of birth as an activity period, for births until 2013. For births since 2014, a quarter is validated for each period of 90 days of daily allowance in respect of maternity.
After the birth, the mother can get up to eight additional quarters per child : four quarters in respect of maternity or adoption, and the other four in respect of education, by a quarter of a year lived with the child during the first four years. To take a parental leave also allows you to validate quarters, but not cumulative with the quarters for maternity, education or adoption.
AND ALSO >> ARE there any errors in your file for retirement?
In case of a cessation of activity, subject to certain conditions, including resources, mothers may benefit from the old-age insurance of the parent in the home (AVPF), a mechanism by which the family allowance Fund (CAF) contributes to validate their quarters pension.
outside of these validations quarters, having raised at least three children gives right to a 10% increase of the pension of the Cnav (whether of the retirement of right direct or to a reversionary pension) and 10 per cent of pensions Agirc-Arrco corresponding to the points acquired since 2012. This surcharge is 5% on the points acquired between 1999 and 2011, and at different rates for items acquired prior to 1999 (10% for 3 children, 15% for 4, and 5 per cent more per child up to the 7th).
The mothers born between 1951 and 1955, having raised three children are also entitled to the full pension at 65, or up to two years earlier than without this boost.6. And if you have dependent children when you retire ?
Between the blended families and having them later in life, it is less unlikely to still have dependent children up to sixty years and more. This situation gives the right strokes of thumb for retirement.
The Agirc-Arrco provides a 5% increase of pension rights as a dependent child, as long as the children remain dependent.
Read our complete fileParis: 21 500 protesters to a policy of "more social" pension reversion may "increase" or "decrease" according to Castaner survivor's Pension: too much inequality
THE NUMBERS >> Pensions: big differences
This benefit is not cumulative with the increases for the education of children. In this case the charge the more interesting is retained until the departure of the children, and then replaced by the supplement for children born or brought up when they are no longer dependent.
Publish Date : 06 Kasım 2018 Salı 14:39
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