If I contribute to the ONP and die, who can collect my pension and what amount?

In the current panorama of social security in Peru, the Pension Normalization Office (ONP) plays a crucial role in the well-being of thousands of families. As a contributor to the ONP, an important question arises: in the event of death, who are the beneficiaries of the pension and what amount will they receive? This uncertainty is common among affiliates, and it is essential to know the rights and benefits that Peruvian law grants to the taxpayer’s family members.

The ONP survivor pension offers financial protection to the loved ones of the deceased member. Depending on the family bond, different members can claim this benefit. Whether it is the taxpayer’s partner, children or parents, each group has specific conditions and certain amounts to receive. Knowing these provisions is essential to guarantee the peace of mind and financial security of families in the face of the loss of a loved one.

If I contribute to the ONP and die, can my family receive my pension?

Yes, the ONP allows your partner, children or parents to access a survivor’s pension, even if you were not yet receiving your pension at the time of your death. This benefit seeks to protect the member’s immediate family members, providing them with financial support in difficult times.

widow’s pension

Widowhood is one of the situations contemplated by the ONP to grant a pension. The spouses or cohabitants of the deceased member can access this benefit, as long as they meet certain requirements:

• The marriage or common-law union must have been established at least one year before the death of the member.
• If you are a spouse or cohabitant, you must have a work disability or be over 60 years of age.

The amount of the widow’s pension can reach up to 50% of what would have corresponded to the worker, with a guaranteed minimum of S/350.

Orphan’s pension

Children of the deceased member under 18 years of age have the right to receive an orphan’s pension. This benefit also extends to adult children if they have a disability or are pursuing basic or higher level studies. The amount granted is equal to 50% of the pension that the holder received, with a minimum pension of S/270.

Ancestry pension

In the absence of a widow or children, the member’s parents can claim the ancestry pension. To do this, they must demonstrate economic dependence on the member and meet certain requirements, such as having a disability or being over 60 years old (father) and 55 years old (mother). The amount they can receive corresponds to 20% of the pension of the deceased holder, with a minimum of S/270.

Is it possible to receive more than one type of survivor pension?

Yes, it is possible to receive more than one type of survivor pension in certain circumstances. For example, if a person is a widow and also has minor children, he could receive both the widow’s pension and the orphan’s pension for her children. However, each type of pension has its own requirements and limits, so it is important to consult with the ONP or the corresponding entity to understand how these rules apply in specific cases.