Brazilians do not rescue from R $ 10,000 to R $ 50 thousand of dead relatives

The pain of losing a close relative brings damage to the pocket. Shaken by the departure of the loved one, the Brazilian families fail to rescue, on average, from $ 10,000 to $ 50,000 for benefits to which the deceased person was entitled. The survey was released by Planje Bem, the first Brazilian digital platform dedicated to succession planning and postwrite support.

According to the executive director and founder of Planje Bem, Carolina Aparício, the main cause of this damage is the ignorance around financial and social rights in the name of the deceasedclassified as “invisible assets”. Added to mourning, bureaucracy and lack of financial guidance, families forget to rescue values.

“It is common for people to imagine that all goods and rights necessarily go through inventory, but there are several assets that can be redeemed simply, as long as one knows where and how to look. Many of these values are forgotten because there is no clear orientation at the time of mourning, which is already delicate in itself,” says Carolina.

Based on the survey of customers served by the platform, the most neglected assets by families, with the respective percentage of oblivion, are as follows:

1. Indemnity of compulsory insurance to protect victims of traffic accidents (DPVAT) by accident or death: 40%
2. Labor aids and benefits (FGTS, PIS/Pasep, Salary, Vacation, Thirteenth and Others): 25% to 30%;
3. Bank accounts, investments and consortia: 25%;
4. Life and personal accident insurance: 20%;
5. Corporate insurance and private pension (PGBL/VGBL): 20%;
6. Death pension of the National Institute of Social Security (INSS): 10%.

There are also other less released benefits, but the survey did not disclose the percentage of oblivion. They are as follows:

1. Funeral aid: offered by banks and card operators, usually between $ 2,000 and $ 5,000;
2. Aerial Miles: They may represent losses of up to R $ 4,000 if not transferred in time;
3. Virtual wallets and aid linked to credit cards: resources that also require attention.

According to plan well, most of these smaller resources can be accessed directly, without the need for inventorybut this requires legal deadlines and specific documentation, unknown to most families. Most requests and checks can be made onlinebut it needs to be done quickly, because the benefits can expire.

Profiles

Customer profiles that forget the most invisible assets are as follows:

• Gender: Men represent 65% to 70% of oblivion cases, while women account for 30% to 35%;
• Age: The predominant age group is 25 to 45 years. According to planning, this suggests a need for youth awareness, at a time when the financial organization usually divides space with multiple responsibilities;
• Family bond: In many cases, men 25 to 40 who forget the benefits are nephews, children, grandchildren of the deceased, outside the financial management of that person. After solving the most practical bureaucracies, such as funeral issues, these relatives resume routines and let the deadlines expire.

Causes of oblivion

In the case of DPVAT, the most ignored benefit, the Executive Director of Planning well attributes the cause of oblivion to families’ shock after a loss caused by unexpected traffic accidents. “The unexpected nature of traffic accident deaths and strong emotional mourning leads to the postponement of the search for these rights. The person sometimes knows that he has, but lets it see later. And then time goes by, and he ends up,” Carolina explains.

In relation to labor aidthe director of Planning well says that, If the heirs are in agreement, it is not necessary to wait for the inventory to withdraw the values. “In some cases, when there is already inventory, the value enters the process, but often if the heirs are in agreement with only a simple judicial license, they can make this request for rescue,” he says.

On bank accounts, investments and consortia, Carolina says that the creation of Central Bank System of Receivables (SVR) It has helped the heirs to recover the values, but the forgetfulness of the deceased himself or acquired rights in previous marriages contribute to expanding ignorance.

“Sometimes, even the person who died forget that he has that benefit and ends up not informing family members. Often, the beneficiaries are also outdated. When the death happens, the person is sometimes in the fourth wife, but the beneficiary is still the first,” he says.