The beneficiaries of your lump-sum death benefit are listed in Article 33 of AVENA’s occupational pension fund regulations. If you don’t have any legal heirs, your retirement savings will remain with the Fund.

Once you reach retirement age, the voluntary contributions you have made will increase the monthly pensions paid out to you or, if you die, your surviving spouse. If you die before retirement, your voluntary contributions will be returned in the form of a lump-sum death benefit, minus any early withdrawals to purchase a home or carry out renovations to maintain or increase the value of your home.

If you are single and don’t have a registered partner or child under 18, the lump-sum death benefit corresponds to your total retirement savings. If the pension fund must make monthly payments to a surviving spouse or child, the sum of these payments will be deducted from your retirement capital, and the lump-sum death benefit will correspond to the amount left in the account.