The pension entitlement that may be recognised for a widow or widower, whose spouse had been self-employed in the Principality, is assessed on the date the written application is submitted, in the knowledge that such an entitlement ceases on remarriage or cohabitation.
Subject to satisfying the other eligibility conditions, the widower can apply for payment of the reversionary pension:
- Without any age limit if the widower has at least one dependent child on the date of death,
- Or, if there is not, or no longer a dependent child:
- aged 65, or
- aged 60, if he is recognised as unable to work.
Pension start date
The beneficiary has 3 months to submit a written reversionary pension application, by letter or with our Pensions Department. This period starts from the day that the entitled worker dies.
After this period, the pension will take effect on the first day of the calendar quarter in which the application is submitted.
The pension takes effect from:
- the day of the spouse's death, or
the day of the widower's 60th or 65th birthday, if there is not, or no longer a dependent child.
The pension awarded prior to the 60th or 65th birthday is suspended when the child ceases to be considered as adependantas determined by the regulations.
It is paid again:
- from the 60th birthday, when the widower is recognised as unable to work,
- from the 65th birthday in all other cases.
At the time of her death, the spouse:
- must have been receiving a retirement pension paid by the C.A.R.T.I., or
proven the minimum working period required (120 months) either in consideration of just his self-employment, or by applying the coordination rules with the Principality's other retirement pension schemes.
When the minimum working period stipulated by the texts is not reached, no pension can be paid by the C.A.R.T.I.
Duration of marriage
The widower must prove:
- a marriage of 4 years on the date of death, or
- that the marriage took place 2 years before the effective date of the deceased spouse's direct pension, or
at least one child resulting from this union.
The annual amount of the reversionary pension depends:
- on the total number of points credited to the deceased spouse's account, multiplied by 60%,
- the annual value of the point, set by Ministerial Decree, which is: ccssdblink-inline
€16.288 on October 1, 2022
Amount of annual retirement pension = (number of retirement points) x 60% x (value of the point)
The pension is paid by electronic transfer into the beneficiary's bank or postal account:
- every calendar month in arrears, if the beneficiary lives in Monaco, France or Italy, payment being made on the 1st working day of the following month.
- every calendar quarter in arrears, if the beneficiary lives outside the three countries referred to above.
A pension awarded on the basis of less than 15 points is paid quarterly, regardless of the place of residence.
Since the reversionary pension entitlement ceases in the event of remarriage or cohabitation, you will regularly be required to confirm your status as a widow(er) who has not remarried and is not cohabiting.
You must inform us of any change in your family circumstances immediately!
These forms must be completed and returned with the necessary supporting documents to the Registration Department.
General payment conditions
- If you live in MONACO, FRANCE or ITALY, you must provide a life certificate every two years, as detailed in our request.
- If you live outside of these countries, you will have to provide either a life certificate or a certificate of existence every quarter, as detailed individually by the Pensions Department Inspection Service.
- Where a life certificate is required, this document must be issued by a competent authority (consulate, town hall, police, doctor) on the dates indicated.