When you become a widow or widower, financial worries add to the pain.
In fact, living together allows you to increase your standard of living by pooling your income.
However, this material support disappears when you lose your loved one.
But there are solutions such as the widowhood allowance.
The situation of the deceased
This financial assistance, monthly and limited in time, allows the surviving spouse to make ends meet and to compensate for the loss of income of the deceased.
First of all, to be able to claim it, the missing person must have been affiliated to old-age insurance for at least 3 months, continuous or not, during the year preceding his death.
However, her status does not matter: she may have been a private employee, a non-established public official, an agricultural employee, an agricultural self-employed person (NSA) or a job seeker, even if she was in maternity, invalidity or even a work accident. job.
Until death do us part
Then know that you will be able to benefit from the widowhood allowance only if you live in France and if you were married to your missing half.
People living in cohabitation, divorced from the deceased, in a civil partnership or remarried to a third party cannot benefit from this financial assistance.
In addition, to qualify for this allowance, you must be under 55 years of age at the time of application.
Beyond this age threshold, it is in fact the survivor's pension which must be requested and which will then correspond to part of the pension from which the deceased spouse was or could have benefited.
Find out more at Info-retraite.fr.
Necessarily limited income
Widowhood allowance is also reserved for people with financial difficulties. To be able to obtain it, you must therefore receive limited income. More precisely, your resources for the 3 calendar months preceding your request must in fact not exceed 2,344.92 euros, which is equivalent to 781.64 euros per month. If you respect this condition, you will be able to receive 625.31 euros net per month for this aid which was revalued in January 2021.
Be careful, however, of possible events which could lead to this amount being re-evaluated downwards.
Thus, if you were to follow a paid training or resume a professional activity, you could combine the income received with the widowhood allowance but only to a certain limit and for a certain time.
Do not hesitate to contact your pension fund to find out more.
For how long ?
If the widowhood allowance constitutes appreciable financial support when one loses a spouse, it is not intended to be permanent.
You can benefit from it for a maximum period of 2 years or until your 55th birthday if you are 50 years old on the date of your spouse's death.
When and where to request it?
You can apply for this financial assistance within 2 years of the first day of the month of your spouse's death, but the sooner the better. In fact, your rights to widowhood's allowance will begin on the first day of the month in which the death occurred if the request is made within 12 months following the event, or on the first day of the month of your request if the request is made within the 12 months following the event. -It is made beyond this period.
To verify your eligibility and complete this process, contact by mail the fund to which your deceased spouse depended: either the National Old Age Insurance Fund (CNAV) or the Retirement Fund for the general scheme, or the Agricultural Social Mutuality (MSA) for the agricultural regime.
You can also get information from the Pension Insurance telephone line at 39 60 (free service + price of the call).
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The application procedure
A specific form must be completed to apply for the widowhood allowance.
You can get it from a Cnav counter (Cerfa n ° 12098 * 04) or from the MSA (Cerfa n ° 14954 * 01), depending on your membership plan, as well as on the internet portals of these organizations. or on the administration information site Service-public.fr.
Remember to also provide the supporting documents required to complete the file, namely:
Your valid identity card, passport, residence permit or receipt of the request,
The last 3 payslips of the deceased spouse or other proof of income (employment center, daily allowances, etc.),
A bank account (RIB) or savings bank (Rice) statement.
Depending on the situation, other parts can obviously be requested.
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