In Chile, older adults who have lost their spouse can access the Widow’s Pension, a bond Granted by the Social Security Institute (IPS). This pension is intended for those who meet certain specific requirements, and its objective is to provide financial support to people who, due to the death of their partner, have been left in a situation of economic vulnerability.
Everything you need to know
In general, the benefit corresponds to between 50% and 60% of the value of the deceased’s base pension. This means that, in real terms, beneficiaries can receive a bond between $107,148 and $128,578 per month, an amount that is aligned with the value of the Universal Guaranteed Pension (PGU).
In order to be eligible for the Widow’s Pension, it is essential that the marriage has fulfilled certain minimum periods before the death of the spouse. If the deceased was a pensioner for partial disability, the marriage must have been celebrated at least six months before the death. In the case of pensioners for old age or absolute disability, the marriage must have been celebrated for at least three years. However, there are exceptions to these periods, in order to receive the pension. bond and they occur if there are minor children or if the widow became pregnant at the time of the spouse’s death.
Another important requirement is that the deceased spouse must have registered at least 401 weeks of pension contributions. This criterion ensures that the deceased person has contributed to the Chilean pension system for a considerable part of his or her working life. In addition, it is essential that the death of the spouse has not generated a pension for an occupational accident or occupational disease, which limits the situations in which the deceased spouse can receive the pension. bond.
In the event that the beneficiary of the Widow’s Pension is a man, there are additional requirements that must be met. The widower must have been declared disabled by the Commission for Preventive Medicine and Disability (COMPIN) and, in addition, must prove that he lived at the expense of his deceased spouse. These additional requirements are established to ensure that the widowed man was in a situation of economic dependence on his deceased wife and that he really needs the bond that offers Chili to its citizens.
