Small and large widow's pension 2023 - the age is decisive
Created: 03/01/2023 16:44
By: Robin Dittrich
After the death of a life partner, the economic existence can be endangered.
The widow's pension is intended to prevent exactly that - that's how high it will be in 2023.
Hamburg – The death of parents or spouse is a drastic experience.
Even worse if your own economic existence is endangered afterwards.
The widow's pension is intended to protect surviving dependents from this.
What is the widow's pension in 2023?
Surname: | pensions due to death |
Affected: | Spouses/children of deceased |
Gender equality since: | 1986 |
Theme: | survivor's pension |
Pensions for survivors: 4.5 million women will receive widow's pensions in 2023
The widow's or widower's pension (hereinafter "widow's pension") is part of the pensions due to death.
The prerequisite for receiving "pensions due to death" is the death of a spouse, former spouse, registered partner or even parent, as reported by 24hamburg.de.
The widow's pension is intended to prevent the economic existence of surviving dependents from being endangered.
The German pension insurance currently pays a widow's pension to more than five million people, of which 4.5 million are women and over 700,000 men.
A lot will change for retirees in 2023.
The widow's pension is intended to secure the existence of surviving dependents - that's how high it will be in 2023. © Dirk Sattler/Imago (Montage)
How high will the survivor's pension be in 2023?
That depends on the amount of the pension entitlements of the deceased spouse.
First, the surviving dependents receive the full pension of the deceased for three months.
If the deceased was not yet entitled to a pension, the surviving dependent can apply for a disability pension.
Even after the three months, the widow's pension will continue to be paid - and will also be based on the amount of the deceased's pension.
But that is not the only factor.
Small and large widow's pension - what do I get?
Another factor in calculating the widow's pension is the age of the surviving dependent.
Surviving dependents who are 47 or younger and who are neither incapacitated nor raising a child receive the small widow's pension.
They receive 25 percent of the duck that the spouse or life partner would have received at the time of death.
The small widow's pension is paid for a maximum of two years, after which the surviving dependents must provide for their own living.
Anyone who is older than 47 or has reduced earning capacity can receive the large widow's pension.
The large widow's pension is 55 percent of the deceased's pension.
An old regulation applies to marriages concluded before 2002 if the spouse was born before January 2, 1962.
The small widow's pension is then paid indefinitely, the large widow's pension is 60 percent of the deceased's pension.
According to the new law, surviving dependents also receive a child allowance, not to be confused with the child allowance from the family benefits office.
Example calculation widow's pension with own income:
Widow's pension: 800 euros gross
Own income: 1600 euros net
Net income exceeds widow's pension by 800 euros
40 percent of 800 is 320 euros
The widow's pension is therefore reduced by 320 euros
The widow's pension is EUR 480 gross
Anyone who earns their own income or draws their own pension usually receives less widow's pension; the income is offset against the widow's pension.
Whoever earns less than 950.93 euros in the old federal states does not have to fear a reduction in the widow's pension - in the new federal states the exempt amount is 937.73 euros.
The exempt amount applies until June 30, 2023. Anyone with a net income above this must have 40 percent of the excess amount offset against the survivor's pension.
The sample calculation explains.
