Even a zero widow's pension can lead surviving spouses to a large age difference combined with the deceased's few years of insurance. These are the two main factors that lead to significant reductions in the final amount of the widow's pension and even the non-payment of. The conditions that lead to zeroing of the death pension are described in detail in an e-EFKA document, following inquiries from the relevant services of the institution.
According to the document and based on N.. 4387/2016 (also known as Katrougalos law), the surviving spouse's pension is reduced if the age difference between the deceased and the surviving spouse is greater than ten years, minus the period of the marriage. The reduction is explicitly determined by percentages relating to full years of age difference and reaching 5% for years from 36 and up.
If the age difference between the deceased and the spouse, minus the duration of their marriage, is more than ten years, the surviving spouse's pension is reduced for each full year of dispute, specified in:
- 1% for the years from the 10th to the 20th year,
- 2% for the years from the 21st to the 25th year,
- 3% for the years from the 26th to the 30th year,
- 4% for the years from the 31st to the 35th year,
- 5% for the years from 36th and above
Alongside, by. 4499/2017 the provision of an independent pension threshold to the surviving spouse was instituted, in case his pension is less than the minimum amount of the corresponding to the insurance period of the deceased. The minimum amount of the death pension was set at the full amount of his national pension for 20 insurance years. That is 384 euro.
If the deceased had less than 20 insurance years, the amount of 384 euro is reduced by 1,25% for each year remaining of 20 years and up to 15 insurance years. If the insurance time of the deceased is less than 15 years, granted as a minimum amount of 360 corresponding to 15 insurance years.
Therefore, in cases where due to the large age difference between the deceased and the surviving spouse a pension amount arises less than the threshold, but not negative, the surviving spouse will be entitled to a pension amount corresponding to the threshold of the above provisions.
On the contrary, in the event that it arises zero pension amount due to the large age difference between the deceased and the surviving spouse, It is not permissible under the current legislation to reject the application for retirement.
In practice, This means that a retirement decision will be issued by e-EFKA, which will recognize the right to a pension, but no pension amount will be paid.