In the event of the death of the insured person, the funds collected on his/her sub-account at the Social Insurance Institution (ZUS) are not lost but are inherited. In order to access these measures, the rightholder must submit an application. The right to inherit a subaccount is granted not only to the household of the deceased, but besides to any another individual, specified as a friend.
The Social Insurance Institution operates a sub-account for all insured persons born after 31 December 1948 and before 1 January 1969 who are members of an open pension fund (OFE), and for insured persons born after 31 December 1968, whether or not owned by OFE. The subaccount is an integral part of the individual account of each insured individual in the Social Insurance Institution who made an application for insurance, for example during the first job.
Currently, 7.3 percent of the pension insurance contribution base goes to the sub-account if the insured individual has not joined OFE or decided that the contribution is to be transferred only to the sub-account, even if he is simply a associate of OFE.
In contrast to the funds collected in an individual account in ZUS, the funds on the sub-account (as in OFE) shall be broken down in the event of the death of the individual to whom the sub-account belongs, as well as in the case of divorce or annulment of the marriage.
In the event of the death of a individual with a sub-account, if she remained married, the deceased's spouse receives half of the funds collected on the sub-account as part of the transfer payment. another funds or all (if no spouse) shall be transferred to persons designated by the deceased or included in the inheritance.
If the insured individual has both a sub-account in the Social Insurance Institution and is simply a associate of the OFE, the distribution of funds starts with a pension fund. The OFE shall distribute and withdraw, informing the Social safety Office of persons entitled within 14 days and the Social safety Office shall have 3 months to carry out this task.
If only a sub-account is held in ZUS, the individual entitled to the measures must apply to ZUS.
Persons who have not entered into an agreement with OFE after entering the labour marketplace should make a message on the property relation between the insured individual and the spouse. They may besides identify persons entitled to receive funds after their death. In the absence of specified indications, measures in the event of death are included in the inheritance.
ZUS emphasizes that the individual entitled can be not only a associate of the household of the deceased, but besides any natural person, specified as a friend.
After the death of the insured person, it is up to the Social safety Office to inform persons entitled to apply for payment of funds which can be declared indefinitely.
If the insured individual retires, the funds collected on a sub-account in the Social Insurance Institution shall be taken into account erstwhile establishing the pension base.
In the event of the death of a pensioner who has acquired the right to a pension after reaching the age of 65 and holding a sub-account at the Social Insurance Institution, the pensioner shall be entitled to a one-time benefit, called a guaranteed payment. A individual who is entitled to all or part of that payment if the death of the pensioner occurs within 3 years of the first payment of the pension.
If the pensioner has not indicated a individual with a pension, the spouse (if he has remained married) shall become entitled. In another cases, the guaranteed payment is included in the inheritance.
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The funds collected on the sub-account in ZUS are inherited:
