Do I lose my family’s survivor’s pension if I work?


With an employment contract, do you lose the right to the family’s survivor’s pension? In this case, the right to the reversibility allowance expires and you are no longer beneficiaries? Below we illustrate what happens to the extent that the beneficiary of the reversibility works

How the survivor’s pension works for the family member

Do I lose my family’s survivor’s pension if I work? In a climate of great economic crisis, the idea that a share of money could be lost due to incompatibility with other incomes frightens many. As we know, the survivor’s pension is an economic treatment that belongs to the surviving family member. It follows the rules set out in art.1, co. 41, of the Law of 8 August 1995 n. 335. the family member who becomes the beneficiary of the survivor’s pension is identified thanks to the criteria established by the Law as indicated here.

In the specific case we want to deal with, we wonder if it is possible to benefit from the reversibility allowance while working. As we know, the amount of the reversibility allowance is the result of several variables based on the quota and the expected amount. In some cases, the beneficiary who declares other income could undergo a revaluation of the amount of the allowance due to the new revenue.

The reduction of the allowance occurs on the basis of certain thresholds

Do I lose my family’s survivor’s pension if I work? According to the clarification of the INPS circular no. 147/2019, the economic performance is reduced when the incomes exceed certain thresholds. Specifically, it happens that: if the beneficiary’s income does not exceed 3 times the minimum INPS treatment (20,087.73 euros per year), the allowance is not reduced.

In table F, attachment 2, of the INPS circular, the percentage of reduction is outlined in the case of thresholds exceeding the minimum. If the minimum threshold 2020, indicated above, is exceeded, then reversibility is reduced:

1) 25% with income between € 20,087.73 and € 26,783.64 (4 times the minimum INPS);

2) 40% if the declared income is between 26,783.64 and 33,479.55 euros;

3) 50% for incomes over 33,479.55 euros.

Based on these income brackets, a reduction in the amount of the survivor’s pension can be recorded.

In which cases reversibility is not reduced

It should be remembered that if there are minors, students or disabled people in the family unit, the reduction does not take place.

Attention must be paid to the incomes that contribute to the reduction of the reversibility allowance. In fact, as the INPS clarifies, the detectable incomes are those subject to IRPEF withholdings net of social security and welfare contributions. For this reason, it is always important to evaluate the particular factors that contribute to the formation of your case with an expert consultant.

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