A pension is paid to a spouse of a deceased fund member. A spouce's pension is also paid if the deceased fund member received old-age or disability pension.
A spouse is a person who was married to, or lived in recognized cohabitation or a confirmed union with the decease fund member at the time of death. The spouse either receives a standard spouse's pension or a pension equivalent to the value of the deceased fund member's inflation-adjusted contributions, depending on which is higher.
Standard spouse's pension
A spouse´s pension is paid for at least three years and longer if one of the following requirements is met:
- A lifelong pension is paid if the spouse is born before 1925. It gradually decreases if the spouse is born after 1925 and ceases if the spouse is born after 1945.
- The spouse supports a child under the age of 23 years.
- A disabled spouse receives a pension until the age of 67 years.
Spouse's pension is 60% of old age pension at the age of 67.
The fund member's rights are adjusted to the age of 65 on the basis of average rights for the last three years before death.
Spouse's pension as the value of inflation-adjusted contributions
The spouse can receive a pension equivalent to the value of the deceased fund member's inflation-adjusted contributions. This option can be a better choice than a standard spouse's pension if one of the following requirements is met:
- The spouse is born after 1940.
- The spouse doesn't support a child under the age of 23 years.
- The deceased fund member did not pay contributions to the fund for the last three years before death.
- The spouse is not disabled.
If the spouse remarries, establishes a union which may be equated with marriage, or enters a recognised cohabitation, the right to a spouse's pension ceases.