When the family’s income disappears but most of the expenses remain, financial compensation may be available through insurance policies, the Swedish Pensions Agency (Pensionsmyndigheten) or the deceased’s employer.
The survivor’s pension is intended to compensate for some of the household’s lost income when a wife, husband, registered partner or parent dies. Public authorities, municipalities and insurance companies are automatically informed of deaths.
If you are entitled to a survivor’s pension or financial compensation, or if your current pension will be affected in any way, you will receive a letter. This letter will inform you of how much money you will receive each month and for how long payments will continue. In some cases you will need to make contact yourself.
If the deceased was receiving any benefits, allowances or pension from The Swedish Social Insurance Agency (Försäkringskassan) or the Swedish Pensions Agency (Pensionsmyndigheten), these payments will stop automatically. If you, as the deceased’s closest relative, are a pensioner, your own pension may be affected. If you receive housing supplement, this will also change.
At the web site of The Swedish Social Insurance Agency (Försäkringskassan) you can find more about compensation you are entitled to if you have lost a close relative or someone you have children with.
You may be entitled to compensation if the deceased
had a collective or occupational pension via their employer, in which case you may be entitled to a survivor’s pension from the insurance company.
had survivor’s protection for their spouse or cohabiting partner for their premium pension.
had a private pension insurance policy in which you are named as the beneficiary, in which case you may be entitled to financial support from the insurance company.
has lived or worked abroad, in which case you may be entitled to a survivor’s pension from that country.
died as a result of an occupational injury, in which case survivors may be entitled to an annuity and the estate to a funeral allowance from the Swedish Pensions Agency (Pensionsmyndigheten).
Payments from insurance companies
The deceased’s insurers are obliged to notify the estate of any insurance policies they had with the company. Old policies with companies that have ceased trading may have been replaced by policies with another insurance company. There is no central register of individual insurance policies. You can find out for yourself whether the deceased had any insurance policies.
Most people who have worked have some form of collective insurance via their employer that provides for compensation in the event of death. What type of compensation that may be available depends on which collective agreements the employer has entered into. Most employers have an insurance policy known as TGL, a group life insurance. Contact the deceased’s employer and trade union to find out what applies in your case.
If the deceased has lived or worked abroad, you may be entitled to a survivor’s pension from that country. Contact the Swedish Pensions Agency (Pensionsmyndigheten) to find out what applies in your case.
As a surviving pensioner, you may be entitled to housing supplement or income support for the elderly from the Swedish Pensions Agency (Pensionsmyndigheten). Income, assets and housing costs all affect how much housing supplement you are entitled to.
The maximum amount is SEK 6,540 per month.
Housing supplement is automatically recalculated when a cohabitant dies. You will need to report changes such as when you inherit money or receive a lump-sum payment from a life insurance policy.
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