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Beneficiary Overview

Beneficiary:

Every person entitled to a share in the pension due to the death of the insured or the pensioner. The entitlement to the pension shall be transferred in accordance with the provisions of the present Law to the beneficiaries.

Beneficiaries Entitlement Terms:

1- The widow (widows):

The widow shall be entitled to the pension of her husband if she was at the time of the death of her husband is still married to him and this includes the wife who is divorced a revocable divorce.

2- Husband:

The husband shall be entitled to the pension of his wife if he was at the time of the death of his wife inflicted with a disability hindering him from making a living.
3- Son and Grandson:

The pension of the son shall be discontinued whenever he reaches 21 years of age. However, the payment of the pension thereto shall be carried on after having reached such age in the following cases:

  • Should he be incapable of making a living and until the remedy of his disability. Such disability shall be proven by virtue of a report from the competent medical committee.
  • Should he be a student and until the employment thereof, or the practice thereby of a profession, or until he reaches twenty eight years of age, whichever is closer.

4- Daughter and grand-daughter:

The pension of the daughter or sister shall be discontinued upon her marriage, employment or practice of a profession.

5- Father:

The father shall be entitled to a share of the pension of his deceased son should he depend thereon for his living.   

6- Mother:

The mother shall be entitled to a share of the pension of her deceased son should she be widowed, divorced, should her husband depend on her deceased son for his living, and should she have no salary or pension.

7- Siblings:

The siblings shall be entitled to a share of the pension of the deceased should they depend thereon for their living.

Method of distributing pension amongst beneficiaries:

Pension shall be distributed amongst beneficiaries according to the following schedule:

 

Due Shares of the pension

Beneficiaries of the Pension #

Siblings

Parents

Children

Entitled Widow (s) or Husband

 

 

1/8

1/8

3/8

3/8

Entitles widow (s) or husband, a child or more, a father, a mother or both, a 7 or more

1

-

1/8

4/8

3/8

Entitles widow (s) or husband, a child or more, a father, a mother or both

2

1/8

-

4/8

3/8

Entitles widow (s) or husband, a child or more, a sibling or more

3

1/4

1/4

-

1/2

Entitles widow (s) or husband, a father, a mother or both, a sibling or more

4

-

-

5/8

3/8

Entitles widow (s) or husband, a child or more

5

-

1/2

-

1/2

Entitles widow (s) or husband, a father, a mother or both

6

1/2

-

-

1/2

Entitles widow (s) or husband, a sibling or more

7

-

-

-

3/4

Entitles widow (s) or husband

8

1/8

1/8

6/8

-

A child or more, a father, a mother or both, a sibling or more

9

-

1/4

3/4

-

A child or more, a father, a mother or both

10

1/4

-

3/4

-

A child or more, a sibling or more

11

-

-

The Entire Pension

-

More than a child

12

-

-

3/4

-

One child

13

1/2

1/2

-

-

A father, a mother or both, a sibling or more

14

-

3/4

-

-

A father, a mother or both

15

1/2

-

-

-

A sibling or more

16

 

Remarks:

  • Pension shall be distributed between the beneficiaries based on the available status after applying entitlement conditions. If beneficiaries were one widow and more from a son, parents and brothers, item (1) of the table applies but if the beneficiaries were limited to more than one child, for example, item (12) of the table applies and so forth….
  • Should more than one partake in the share of the pension, it shall be distributed among them in equal parts.
  • Should the cause of suspension of the entire pension or a part thereof cease, the shares shall be returned to the way they were prior to such suspension.
  • The share of one beneficiary of the pensioner may not exceed 3/4 of the pension.

Date of the entitlement of the beneficiaries:

The entitlement of the beneficiaries of the insured or the pensioner shall commence as of the month that follows the date of death.

The minimum share of the beneficiaries of the insured shall be as follows:

  • 800 Dirhams for the widow or the benefiting husband.
  • 600 Dirhams for each of the parents.
  • 400 Dirhams for each of the remaining beneficiaries.
  • The sum of the beneficiaries’ shares should not exceed the salary of pension calculation.

Rules of suspending and discontinuation of beneficiary's pension:

Widow: the pension of the widow shall be discontinued upon her marriage.

Son and grandson: the pension shall be discontinued in the following cases:

  • Reaching 21 years of age.
  • Remedial of his disability.
  • Employment or practice of a profession.

Daughter, granddaughter and sister: the pension shall be discontinued in the following cases:

  • Marriage.
  • Employment or practice of a profession.
  • Entitlement to other salary or pension.

Remarks:

Beneficiary shall be paid the pension entirely for the month on which the suspension or discontinuation takes place.

Cases of repaying beneficiary's pension shares after suspension:

  • The pension shall be repaid to the daughter, granddaughter or sister should she be divorced, widowed and has no other salary, pension or job.

Note:

Payment of pension shall be resumed to the beneficiary from the beginning of the month following entitlement cause.

Cases of combining more then one pension or both pension and salary:

General rule:

  • The beneficiary may not combine two pensions from GPSSA. 
  • The beneficiary may not combine the pension and any other salary should the salary be higher than the pension.

Exceptions:

The combination of two pensions, or a pension and a salary, such combination may take place in the following cases:

  • If the beneficiary’s salary is less than the pension, he shall be granted the difference between the salary and the pension.
  • If the pension is entitled to the widow of the pensioner, she shall be entitled to combine her salary from her work, or her pension with the pension entitled thereto from her husband.

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