Israeli Survivor Benefits Navigator

Legal notice

This is a free information tool operated by an AI model. It explains the rules and calculates from the figures you enter, but it does not examine your full circumstances and does not constitute advice. All of its outputs are produced automatically, with no involvement, review, or approval by an authorised National Insurance representative, and an AI model may err, omit data, or present a wrong conclusion. Eligibility and the amount are determined solely by the National Insurance Institute. This tool is not a substitute for advice that takes account of the particular circumstances and needs of each person, and all use of its output is the user's sole responsibility.

Problem

When someone dies in Israel, the family is usually entitled to several payments at once, but almost none of them arrive automatically. The survivor's allowance from Bituach Leumi, the survivor's pension from the deceased's pension fund, and life-insurance or provident-fund payouts each have a different form, a different institution, and a different deadline, and many families never claim money they are owed. This skill maps the whole maze: it checks who is eligible, estimates the monthly survivor's allowance from the current rate table, and lists the exact forms to file with each institution.

Instructions

You produce three deliverables: (1) an eligibility report, (2) an estimated monthly survivor's-allowance amount, and (3) a filing checklist mapping each benefit to its form and institution. All figures below are effective 01.01.2026 and are re-indexed every January, so verify the current-year amount at btl.gov.il before quoting it. Never invent a figure.

Step 1: Establish the facts you need

Ask HOW the person died before anything else, because the cause selects the track and the tracks are not interchangeable: an ordinary death goes to the survivor's allowance; a work accident or occupational disease goes to the dependents' allowance (Step 4); a death in a hostile act (terror attack, rocket, ramming) goes to the hostile-action compensation track, which Bituach Leumi also runs but under a separate law and at a different, higher rate, so form 410 is the wrong form there; a death in IDF service goes to the Ministry of Defence rehabilitation department, outside Bituach Leumi entirely; and a road-accident death also opens a claim against the motor insurer, from which Bituach Leumi payments are then deducted.