Understand the rights of heirs upon the death of a beneficiary
The loss of a loved one is a difficult time, and questions often arise about the financial rights that remain. When a person receiving unemployment benefits dies, their family members may be entitled to claim some of the unpaid money. The State Public Employment Service (SEPE) has clarified this situation, offering guidance on how to proceed.
What does it really mean to ‘inherit’ unemployment?
Contrary to what some might think, this is not a right to inherit the full amount of the unemployment benefit. In reality, the heirs can claim only the proportional amount that had been generated up to the time of death. For example, if the person dies on the 15th of a month, relatives will be entitled to receive the money accumulated up to that date, but not the total that would correspond to the following months.
Who is entitled to claim these amounts?
The legal heirs are the only ones entitled to make this claim. This includes both compulsory heirs, such as children, spouses or parents, as well as those named in a will. If there is no will, the closest relatives can present a declaration of heirs to prove their right. In both cases, it is important to prove the family relationship or the status of heir.
Documentation required for the claim
The process to get the outstanding amounts is accessible. The heirs must go to a SEPE office or manage the application online. To complete the application, it is necessary to present documents such as the death certificate, the will or the declaration of heirs, as well as any document justifying your kinship.
Aspects to consider during the process
An important point is that the heirs do not receive any additional compensation, nor can they continue to collect the full unemployment that the deceased person would have received. Only the amount outstanding at the time of death can be claimed. Likewise, it is recommended that relatives act quickly to avoid administrative complications, since, although there is no fixed deadline, a quick process will facilitate a more efficient resolution.
Final reflection on the management of unemployment benefits in cases of death
Managing heirs and unemployment benefits can be a complex topic, but knowing your rights and proper procedures is essential to avoid misunderstandings. Clear information and quick handling can make a big difference at such a delicate time.
