This means that if you pass away during the pension pay-out period, your pension will continue to be paid out to the registered beneficiary/beneficiaries for the remainder of the period. If you pass away before pay-out has begun, the pension will be paid to the registered beneficiary/beneficiaries for 5 years.
You can opt for survivor protection if you have PLUSpension. If you pass away before retirement, your registered beneficiary/beneficiaries will receive the pension you would otherwise have received at age 65.
A beneficiary is a person who receives compensation from your insurance if you pass away before your insurance has been fully paid out.
In accordance with the Income Tax Act, only the following persons can be made beneficiaries:
a) spouse or former spouse
b) cohabitee/registered partner or former cohabitee/registered partner
c) children/step-children/foster-children – your own or those of a person in categories (a) or (b) above
Yes, you can cancel or add to the repayment cover/survivor protection at any time until you start receiving your pension. Once pension pay-outs commence, you can change the registered beneficiary but you cannot cancel or add repayment cover/survivor protection
If you have opted not to have survivor protection and you pass away before you start getting your pension or during the pension pay-out period, your insurance capital is shared between the remaining policyholders. This is known as inheritance gains. Inheritance gains also means that if you have opted out of survivor protection, you receive a somewhat higher pension for yourself.
- If the deceased lived in Sweden, you as a relative do not need to notify us of the death, we receive information from the Tax Agency.
- If the deceased lived abroad, you as a relative need to notify us as we do not always receive that information from the Tax Agency. It is fine to notify us by regular mail or by phone on +46 31 661210.
This is how our processing goes:
- When we have received information from the Tax Agency about the death, we notify the estate by letter of the pension insurance policies available and whether or not the insurance policies have survivor protection/reimbursement protection. If there is survivor protection/repayment protection, then there is also a survivor’s pension to pay out. There must be a possible beneficiary for us to make a payment, i.e. there must be someone who is eligible to receive a survivor’s pension.
The following persons may be eligible to receive a survivor’s pension:
a) spouse or former spouse
b) common-law partner or former common-law partner
c) children/stepchildren/foster children of yourself or of any person according to a) or b)
The following choices are possible options when choosing with
survivor protection/reimbursement protection:
With 1) Primarily spouse/partner/registered partner. Second, children.
With 2) Primarily children. In the second instance, spouse/cohabitant/registered partner.
With 3) According to special beneficiary appointment registered with VFF Pension.
- In cases where there is a survivor’s pension to be paid, we attach a form, “Komplettering av uppgifter”, with the letter sent to the estate. The estate needs to fill in the form and send it back together with a certificate called “Dödsfallsintyg och släktutredning”.
“Dödsfallsintyg och släktutredning” can be ordered from
the Swedish Tax Agency on telephone number 0771-567 567.
- When our processing of the case is complete, we send a letter informing about payment to the beneficiaries, i.e. to those who are entitled to a survivor’s pension. With this payment notice, a form, “Begäran om kontouppgifter”, is attached, which the beneficiaries need to fill in and send back to us with bank details so that we can make the payment of survivor’s pension.
- If there is a PLUS pension, we will send out a “Bouppteckningsintyg/Probate certificate” to the estate, it will be sent out as soon as we have received information about who is the beneficiary and who is entitled to a survivor’s pension.
- “Bouppteckningsintyg/Probate certificate” contains the name and social security number of the beneficiaries and information about the amounts that will be paid out from the PLUS pension. “Bouppteckningsintyg/Probate certificate” must be attached to the probate.
- Payment of survivor’s pension is normally made the month after our processing is complete.
- If the deceased has had a payment from VFF Pension during the year, we will send a control task next year. The control task contains the information we have sent to the Tax Agency and will be sent to the estate. If you want the control task to be sent to an address other than the estate, it is fine to let us know.
