Witwenrente: If the marriage was renewed, the pension is gone – and then?

When the spouse dies, this is not only emotionally a tragedy, but also financially a cut. The German pension insurance generally pays widows and widwers a survivor’s pension. But what happens when you get married again?

In this case, survivors are rid of their extra ducks. The reason: the widow’s pension is intended as a help for maintenance. Due to the new marriage, there is again a partner with whom you can make maintenance together. So the idea.

Because the legislator does not consider this to be very easy either, he has helped the transition to the transition: the so -called pension compensation. If you get married, you will get the old widow’s pension again for 24 months and paid out in one fell swoop.

This severance payment is automatically transferred. It is enough to tell the German Pension Insurance (DRV) that you have married again. Incidentally, recipients of a survivor’s pension are obliged to do so. Precisely because the widow or widow’s pension ends with the month of marriage.

If the new spouse also dies, then a widow’s pension can be paid again. The widow’s pension is derived from how high the deceased’s pension entitlement is. In principle, it doesn’t matter how long you were married.

However, there is one exception: if the couple was married less than a year, pension insurance assumes a so -called pension marriage. In other words, it is believed that the partner was already terminally ill – and only married to pass on his pension. If the husband has died by an accident, or if this assumption can be refuted differently, the widow’s pension is still paid out.

Even if there is no pension for the new spouse, the widow (or the widower) does not go away empty. Then a widow’s pension is calculated based on the penultimate spouse. Pension insurance practically pretends that never had been married a second time. (And the pension compensation paid for two years is offset.)

This so -called “widow’s pension after the penultimate spouse” also comes into its own if the widow’s pension is paid by the new husband, but is smaller than that would be from the penultimate husband. Then the pension insurance calculates the difference – and hits it to the new widow’s pension. Or to put it easier: the pension insurance checks the pension higher, which from the last or from the penultimate marriage – and then (in total) pays the higher amount.

This is nothing against the details of the widow’s pension: the Pension Insurance DRV differentiates between large and small widow’s pension. The little one is paid if you are younger than 47 years, not disabled and no longer educates the deceased. Then there is 25 percent of the faded pension. In all other cases, the large widow’s pension is paid, which is 55 percent of the deceased’s pension.

In some cases, the large widow’s pension is paid at the age of 46. And was married before 2002 and one of the partners was born before January 2, 1962, the large widow’s pension is even 60 percent. The details can be found on the.

How much survivor’s pension is paid depends on the widow or widower’s income. As long as it remains under the allowance of around 1038 euros, the pension can be kept completely. Everything that exceeds this amount is counted towards the survivor’s pension. So if you earn 2038 euros, 40 percent of the difference (1000 euros), i.e. 400 euros, would be deducted from the widow’s pension.

Incidentally, all rules apply synonymous to registered civil partnerships.