Ce se întâmplă cu banii din pensia privată în caz de deces al beneficiarului

In Romania, private pension funds do not automatically lose their value upon the holder's death. The fate of the accumulated funds depends on the pension pillar, the timing of death, and the chosen payment method. For Pillar II, if the participant dies before retirement, the accumulated assets go to legal heirs, who must prove their rights to the fund administrator. For Pillar III, the distribution depends on whether the participant had started receiving payments. Heirs must identify the fund administrator and submit a payment request along with necessary documents, which may vary by administrator. Payments are typically made within ten working days after the request is processed.