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Widow's pension

Widow's reversionary pension

Conditions

The pension entitlement for a widow, whose spouse had salaried employment in the Principality, is assessed on the date the written application is submitted, in the knowledge that such entitlement ceases on remarriage or cohabitation.

Legal age

Subject to satisfying the other eligibility conditions, the widow can apply for payment of the reversionary pension:

  • Under the age of 50, if there is at least one dependent child at home on the day that the entitled spouse dies,
  • Over the age of 50, if there is not, or no longer a dependent child at home on the day that the entitled spouse dies.
Pension start date

The widow has 12 months to submit a reversionary pension application, by letter or with our Pensions Department. This period starts from the day on which she satisfies the eligibility conditions.

After this period, the application will take effect on the first day of the calendar quarter in which it is submitted.

The widow's pension takes effect from:

  • the day of the spouse's death, or
  • the day of the widow's 50th birthday, if there is not, or no longer a dependent child.
Working period

At the time of his death, the spouse:

  • must have been receiving a retirement pension paid by the C.A.R., or
  • paid contributions for a sufficient period to be entitled to a direct pension (see conditions for minimum working period).
Duration of marriage

The widow must satisfy the age requirements above and also 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.

Calculation

The 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 €21.3900 on October 1, 2023

It is determined using the following formula:

Amount of monthly retirement pension = (number of retirement points) x 60% x (value of the point) /12

Calculate your spouse's reversionary pension 

Payment

Payment arrangements

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.