In case of death, what will happen to my second pillar (LPP)?

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Updated on January, 8th 2024.

Have you ever ask yourself : “What would happen to my second pillar if I died suddenly?”

In this article on death, we will deal only with annuities and lump sums payable to survivors. If you are looking for more information on 2nd pillar cover following disability, we have devoted a special article to this subject.

2nd pillar in the event of death: How much will go to my spouse?

Once the marriage is registered, and without having to do anything, the 2nd pillar will cover you against invalidity, as well as your spouse against the risk of death. If, by some misfortune, you have to leave this world before your soul mate, he or she will continue to receive a monthly pension for life. The question is, how do you calculate the amount?

How much is the widow’s/widower’s pension under the 2nd pillar?

Rather than give you figures that are not accurate, I suggest you take your BVG certificate and look carefully for the widow’s/widower’s pension line.

Extract from the BVG certificate to find out the amount of the possible widow's/widower's pension

Depending on your pension fund, pensions and capital can vary greatly from one fund to another.

In addition to pensions, some pension funds may also offer full or partial repayment of vested benefits. In addition to the BVG certificate, take the time to read your pension fund’s regulations.

2nd pillar in the event of death: What will go to my partner if we are not married?

You haven’t taken the plunge yet, or you’ve opted for a life without marriage, but you’re still wondering what will happen to your 2nd pillar pension in the event of your death? The answer is not so simple. The 2nd pillar sets out very specific rules for inheritance. If you have legal heirs, your capital will go to them (your child, for example). No heirs, but you’ve been a couple for some time? Then, depending on the rules of your pension fund, it is highly likely that you will be able to request that all or part of this capital be transferred to your spouse.

A word of advice: if you’re in this situation, make sure you mention your partner’s name to your employer. To do this, simply ask HR for the form and take the time to fill in the details of your partner. A word of warning: in principle, you need to be able to prove that you’ve been living together for a certain length of time (usually 5 years).

The 2nd pillar in the event of death: What will go to my children?

In addition to the AVS, which will pay your children (depending on their age) an orphan’s pension, the 2nd pillar also has this type of pension. They will also depend on the age and status of your children. To find out the precise details of your situation, we advise you to read the internal regulations of your pension fund.

As a general rule, orphans’ pensions are proportional to widows’/widowers’ pensions. You can also find the amounts directly on your BVG certificate.

Extract from the BVG certificate to find out the amount of the possible orphan's pension

We can’t stress this enough at FBKConseils: negotiating a gross salary is all well and good, but being aware that the biggest risks in life are also borne by your employer should also be part of your thinking before accepting a job. We advise you to take the time to think about :

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