{"id":3076,"date":"2025-04-29T12:45:09","date_gmt":"2025-04-29T10:45:09","guid":{"rendered":"https:\/\/eures-granderegion.eu\/?p=3076"},"modified":"2025-04-29T12:47:18","modified_gmt":"2025-04-29T10:47:18","slug":"survivors-pension-for-cross-border-workers-what-you-need-to-know","status":"publish","type":"post","link":"https:\/\/eures-granderegion.eu\/en\/2025\/04\/29\/survivors-pension-for-cross-border-workers-what-you-need-to-know\/","title":{"rendered":"Survivor\u2019s Pension for Cross-Border Workers: What You Need to Know"},"content":{"rendered":"\n<p>Losing a spouse is a difficult experience, both emotionally and financially. Fortunately, the survivor\u2019s pension \u2013 also known as a widow\u2019s or widower\u2019s pension \u2013 provides some financial stability to the surviving spouse or partner. For cross-border workers, the rules vary depending on the country in which they were employed. Here is an overview of the conditions and procedures you should be aware of.<\/p>\n\n\n\n<p><strong>What is a survivor\u2019s pension?<\/strong><\/p>\n\n\n\n<p>It is a benefit paid to the surviving spouse or partner after the death of an insured person. It aims to compensate for the loss of income and ensure a minimum level of financial security.<\/p>\n\n\n\n<p><strong>Eligibility requirements by country<\/strong><\/p>\n\n\n\n<div class=\"wp-block-eures-plugin-accordion-block\"><div class=\"accordion-top\"><p class=\"accordion-title\"><strong><strong>In France (reversion pension)<\/strong><\/strong><\/p><svg viewBox=\"0 0 24 24\" stroke-width=\"1.5\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"accordion-top__icon\"><path d=\"M3 12L21 12M21 12L12.5 3.5M21 12L12.5 20.5\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><div class=\"accordion-content\">\n<p>To qualify:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The deceased must have been receiving or entitled to a retirement pension from the Retirement Insurance system.<\/li>\n\n\n\n<li>You must have been married to the deceased (civil partnerships do not entitle you to a reversion pension).<\/li>\n\n\n\n<li>You must be at least 55 years old.<\/li>\n<\/ul>\n\n\n\n<p>Your gross annual income must not exceed:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u20ac24,710.40 if you live alone<\/li>\n\n\n\n<li>\u20ac39,536.64 if you live as a couple<br>These amounts apply for 2025 and are subject to revision.<\/li>\n<\/ul>\n\n\n\n<p><strong>Amount:<\/strong> 54% of the pension that the deceased was receiving (or would have received) for a full career.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-eures-plugin-accordion-block\"><div class=\"accordion-top\"><p class=\"accordion-title\"><strong><strong>In Luxembourg (survivor\u2019s pension)<\/strong><\/strong><\/p><svg viewBox=\"0 0 24 24\" stroke-width=\"1.5\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"accordion-top__icon\"><path d=\"M3 12L21 12M21 12L12.5 3.5M21 12L12.5 20.5\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><div class=\"accordion-content\">\n<p>Two scenarios:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>If the deceased was already receiving a pension: no prior conditions required.<\/li>\n\n\n\n<li>Otherwise: the deceased must have contributed for at least 12 months in the 3 years prior to their death.<\/li>\n<\/ul>\n\n\n\n<p>Additional conditions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The marriage or partnership must have lasted at least one year.<\/li>\n\n\n\n<li>The deceased must not have already been retired due to disability or old age at the time of marriage\/partnership.<\/li>\n<\/ul>\n\n\n\n<p>However, survivor\u2019s pension rights are also granted if any of the following conditions are met:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A child was born to the couple or legitimized by the marriage.<\/li>\n\n\n\n<li>Death resulted from an accident occurring after the marriage.<\/li>\n\n\n\n<li>The marriage or partnership lasted at least one year and the deceased was not more than 15 years older than the spouse\/partner.<\/li>\n\n\n\n<li>The marriage or partnership lasted at least 10 years and the deceased was more than 15 years older than the spouse\/partner.<\/li>\n<\/ul>\n\n\n\n<p><strong>Amount:<\/strong> For a full career, minimum \u20ac2,293.55 per month.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-eures-plugin-accordion-block\"><div class=\"accordion-top\"><p class=\"accordion-title\"><strong><strong>In Germany (widow\/widower\u2019s pension)<\/strong><\/strong><\/p><svg viewBox=\"0 0 24 24\" stroke-width=\"1.5\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"accordion-top__icon\"><path d=\"M3 12L21 12M21 12L12.5 3.5M21 12L12.5 20.5\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><div class=\"accordion-content\">\n<p>Requirements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The deceased must have contributed at least 5 years to the statutory pension insurance scheme.<\/li>\n\n\n\n<li>Marriage or civil partnership must have lasted at least one year before the death.<\/li>\n\n\n\n<li>The surviving spouse must not have remarried or entered a new civil partnership.<\/li>\n<\/ul>\n\n\n\n<p>Two types of pensions:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Small pension (kleine Witwenrente):<\/strong> typically 25% of the pension the deceased would have received at the time of death.<\/li>\n\n\n\n<li><strong>Large pension (gro\u00dfe Witwenrente):<\/strong> between 55% and 60% of what the deceased would have received.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-eures-plugin-accordion-block\"><div class=\"accordion-top\"><p class=\"accordion-title\"><strong><strong>In Belgium (survivor\u2019s pension)<\/strong><\/strong><\/p><svg viewBox=\"0 0 24 24\" stroke-width=\"1.5\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"accordion-top__icon\"><path d=\"M3 12L21 12M21 12L12.5 3.5M21 12L12.5 20.5\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><div class=\"accordion-content\">\n<p>Requirements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Be at least 50 years old (applies for deaths in 2025) or already receiving a personal pension.<\/li>\n\n\n\n<li>Have been married for at least one year.<\/li>\n\n\n\n<li>Not be remarried.<\/li>\n\n\n\n<li>Must not have been convicted of harming the deceased.<\/li>\n<\/ul>\n\n\n\n<p><strong>Amount:<\/strong> Varies depending on other income, number of beneficiaries, etc.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-eures-plugin-accordion-block\"><div class=\"accordion-top\"><p class=\"accordion-title\"><strong><strong>In Switzerland (widow\/widower\u2019s pension)<\/strong><\/strong><\/p><svg viewBox=\"0 0 24 24\" stroke-width=\"1.5\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"accordion-top__icon\"><path d=\"M3 12L21 12M21 12L12.5 3.5M21 12L12.5 20.5\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><div class=\"accordion-content\">\n<p>Requirements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The deceased must have contributed for at least one year.<\/li>\n<\/ul>\n\n\n\n<p>A <strong>widow<\/strong> is entitled if she:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>had a child with the deceased,<\/li>\n\n\n\n<li>or is at least 45 years old and was married for at least 5 years.<\/li>\n<\/ul>\n\n\n\n<p>A <strong>widower<\/strong> may qualify if he has one or more dependent children.<\/p>\n\n\n\n<p><strong>Amount:<\/strong> Between CHF 1,008 and CHF 2,016 per month (2025 rates).<\/p>\n<\/div><\/div>\n\n\n\n<p><strong><strong>What are the procedures for cross-border workers?<\/strong><\/strong><\/p>\n\n\n\n<div class=\"wp-block-eures-plugin-accordion-block\"><div class=\"accordion-top\"><p class=\"accordion-title\"><strong>If you had a mixed career<\/strong><\/p><svg viewBox=\"0 0 24 24\" stroke-width=\"1.5\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"accordion-top__icon\"><path d=\"M3 12L21 12M21 12L12.5 3.5M21 12L12.5 20.5\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><div class=\"accordion-content\">\n<p>Submit your request to the competent organization in your country of residence (in France, the CARSAT). They will forward your request to the relevant foreign pension agencies.<\/p>\n\n\n\n<p>\u27a1\ufe0f In France, the request can be made:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Online through your <a href=\"https:\/\/www.info-retraite.fr\/portail-services\/login\" target=\"_blank\" rel=\"noreferrer noopener\">retirement account<\/a> in 5 steps on the website,<\/li>\n\n\n\n<li>Or by mail, by completing the Cerfa form &#8220;<a href=\"https:\/\/www.lassuranceretraite.fr\/portail-info\/files\/live\/sites\/pub\/files\/PDF\/demande%20de%20retraite%20de%20r%c3%a9version.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Single request for basic survivor\u2019s pension<\/a>&#8221; and sending it to CARSAT, specifying your work history abroad.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-eures-plugin-accordion-block\"><div class=\"accordion-top\"><p class=\"accordion-title\"><strong>If your career was exclusively cross-border<\/strong><\/p><svg viewBox=\"0 0 24 24\" stroke-width=\"1.5\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"accordion-top__icon\"><path d=\"M3 12L21 12M21 12L12.5 3.5M21 12L12.5 20.5\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg><\/div><div class=\"accordion-content\">\n<p><strong>In Germany<\/strong><\/p>\n\n\n\n<p>\u27a1\ufe0f Submit your application to the Deutsche Rentenversicherung using <a href=\"https:\/\/www.eservice-drv.de\/eantrag\/hinweis-ohne-karte-direkt.seam?formular=r0500\" target=\"_blank\" rel=\"noreferrer noopener\">form R0500<\/a>.<\/p>\n\n\n\n<p><strong>In Luxembourg<\/strong><\/p>\n\n\n\n<p>\u27a1\ufe0f Apply to the National Pension Insurance Fund (CNAP) (<a href=\"https:\/\/guichet.public.lu\/dam-assets\/catalogue-formulaires\/deces-disparition\/demande-pension-survie\/demande-pension-survie-fr.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">form available<\/a> on their website).<\/p>\n\n\n\n<p><strong>In Belgium<\/strong><\/p>\n\n\n\n<p>\u27a1\ufe0f No application needed if the deceased was already receiving a pension or had not applied yet.<br>Otherwise, complete the \u201c<a href=\"https:\/\/www.sfpd.fgov.be\/files\/1291\/4-demande-pension-reversion.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Reversion Pension Request<\/a>\u201d form (available on the Federal Pensions Service website or via <a href=\"https:\/\/www.mypension.be\/fr\" target=\"_blank\" rel=\"noreferrer noopener\">mypension.be<\/a>).<\/p>\n\n\n\n<p><strong>In Switzerland<\/strong><\/p>\n\n\n\n<p>\u27a1\ufe0f Use <a href=\"https:\/\/finfo.zas.admin.ch\/ahv\/jsp\/front.jsp?app=AHV-IV&amp;form=318_371_online_5&amp;lang=fr\" target=\"_blank\" rel=\"noreferrer noopener\">form 318.371 \u2013 Survivor\u2019s pension application<\/a>, to be submitted to the last AVS compensation office that received contributions.<\/p>\n<\/div><\/div>\n\n\n\n<p><strong>In summary<\/strong><\/p>\n\n\n\n<p>Survivor\u2019s pensions are an important right, but eligibility and procedures vary significantly between countries. It is essential to be well-informed and submit your request to the appropriate agency to avoid delays or rejections.<\/p>\n\n\n\n<p>For more information, visit our partner\u2019s website\u00a0<a href=\"https:\/\/frontaliers-grandest.eu\/salaires-2025-ce-qui-change-pour-vous-en-allemagne-belgique-et-luxembourg\/\" target=\"_blank\" rel=\"noreferrer noopener\">Frontal<\/a><a href=\"https:\/\/frontaliers-grandest.eu\/\" target=\"_blank\" rel=\"noreferrer noopener\">iers Grand Est\u00a0<\/a><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Losing a spouse is a difficult experience, both emotionally and financially. Fortunately, the survivor\u2019s pension \u2013 also known as a widow\u2019s or widower\u2019s pension \u2013 provides some financial stability to the surviving spouse or partner. For cross-border workers, the rules vary depending on the country in which they were employed. Here is an overview of [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":3062,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[172],"tags":[],"territories_categories":[60,58,147,148,149],"class_list":["post-3076","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cross-border-workers"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Survivor\u2019s Pension for Cross-Border Workers: What You Need to Know - Eures Grande Region<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/eures-granderegion.eu\/en\/2025\/04\/29\/survivors-pension-for-cross-border-workers-what-you-need-to-know\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Survivor\u2019s Pension for Cross-Border Workers: What You Need to Know - Eures Grande Region\" \/>\n<meta property=\"og:description\" content=\"Losing a spouse is a difficult experience, both emotionally and financially. 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Fortunately, the survivor\u2019s pension \u2013 also known as a widow\u2019s or widower\u2019s pension \u2013 provides some financial stability to the surviving spouse or partner. For cross-border workers, the rules vary depending on the country in which they were employed. 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