Terminate the pension after the death of the relative

What you need:

• Address pension insurance provider
• pension insurance number

If your loved one pension from a pension insurance institution and has died, you as the legal heir are obliged to inform the pension insurance institution immediately about the death.

After death, as an inheritance, you have to take care of a number of things

• If you fail to provide this information, the pension insurance institution will not know anything about the death and will continue to pay the pension on it account Of your loved one. As a legal heir, you can dispose of the account and collect the pension. In this case you expose yourself to suspicion of fraud.
• So inform the pension insurance company. You can find the correct address in your relative's documents. Be sure to state your pension insurance number so that proper processing is guaranteed.
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• Include a copy of the death certificate with your notification.
• Formal termination is not required, as the pension entitlement expires with the death of your relative at the end of the month.


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• The pension insurance agency will then pay you the full pension for the month in which your relative died. Since the pension is usually paid in the previous month as an advance for the following month, you will not receive any further pension payments in the month in which you die.
• The pension insurance company will then send you an income tax certificate.
• As an heir, you should also check whether and to what extent your deceased relative was subject to income tax as a result of receiving a pension. Many retirees are certainly not aware of their tax liability. The tax liability exists if the income of a single pensioner is over € 8004 and if he is married it is over an exemption of € 16,008.

Apply for a pension for the quarter of the death

• If your spouse has died, you are entitled to a three-month pension for the so-called quarter of the death. You must apply for this pension payment to the pension insurance institution within twelve months of your death. The prerequisite is that your relative had been insured for at least five years before their death.
• You can also apply for this pension amount as an advance payment from the pension insurance institution within one month of your death.
• Your own income does not count towards this pension after death. So you are entitled to it in full.
• Please note that your relative may also have received a private company pension. In this case, you will normally not receive a further pension after death. However, you must also inform the institution that pays out the company pension.