In today's blog, we will unveil together a very common term in Social Security Law: survivor's pension.
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What is a survivor's pension?
The survivor's pension is a social security benefit granted to the dependents of the INSS insured person who dies or becomes absent, regardless of the cause of death. It is intended to meet the financial needs of dependents who were economically dependent on the insured.
In the case of absence, the pension is granted after a certain period, as long as the insured person is contributing to Social Security. The pension in this case is temporary, as it will cease if the absentee reappears.
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Who is entitled to the survivor's pension?
As it is a social security benefit, the survivor pension is granted to the insured's dependents. The legal concept of dependent involves three classes, with legislation providing that those belonging to the first class have preference over those in the others.
In the first class, we have the spouse, partner, child or stepchild up to 21 years of age (or of any age if disabled or severely disabled) and the minor ward. The second class is made up of parents, and the third class is made up of siblings up to 21 years of age, if not emancipated.
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What are the survivor pension amounts?
It is important to highlight that the value of the survivor pension varies according to the deceased insured person's contribution to the INSS. The calculation is based on the average of the insured's largest 80% contributions, considering the period since July 1994.
However, the value cannot be lower than the current minimum wage, nor higher than the INSS ceiling value. Furthermore, the pension is divided equally among all dependents.
How do I apply for the survivor's pension?
The survivor pension can be requested via the INSS app or website, or in person at service agencies. In addition, it is necessary to present documents proving the economic dependence of the deceased insured.
In the “Meu INSS” application, available for [Android](https://play.google.com/store/apps/details?id=br.gov.dataprev.meuinss&hl=pt_BR&gl=US) and [Apple](https: //apps.apple.com/br/app/meu-inss/id1298821414), the benefit request is made in a simplified and intuitive way. The user simply needs to register, access the survivor pension option and follow the instructions to request the benefit.
Conclusion
The survivor's pension is a crucial benefit in guaranteeing the rights of the dependents of a deceased or absent insured person. Knowing about this benefit, who is entitled to it and how to request it is extremely important, in order to ensure that dependents are not left helpless in a time of such fragility.
Understanding the social security system and the benefits to which we are entitled is a duty for all of us and a way of guaranteeing our rights and the social protection to which we are all entitled. Informing yourself is the first step to ensuring yourself in the face of life's adversities and being able to live with greater peace of mind and security.
