Technical Standards for the Granting of Survivor Benefits in the Public Pension System

Alameda Juan Pablo II, between 15 and 17 Av. Norte, San Salvador, El Salvador.
Tel. (503) 2281-8000 www.bcr.gob.sv
CNBCR-11/2022
NSP-70
TECHNICAL STANDARDS FOR THE GRANTING OF SURVIVOR BENEFITS IN THE PUBLIC PENSION SYSTEM Approval: 30/12/2022 Validity: 30/12/2022

THE COMMITTEE OF STANDARDS OF THE CENTRAL BANK OF RESERVE OF EL SALVADOR, CONSIDERING:

I. That by Legislative Decree No. 614, dated December 20, 2022, published in Official Gazette No. 241, Volume No. 437, of the 21st of the same month and year, the Comprehensive Pension System Law was issued.

II. That Article 2, letter m) of the Comprehensive Pension System Law establishes that the benefits established in said Law shall apply to affiliates of the Public Institutes.

III. That Article 111 of the Comprehensive Pension System Law establishes that persons established in the referenced article shall have the right to survivor pension.

IV. That Article 113 of the Comprehensive Pension System Law establishes that survivor pensions shall be determined in accordance with the reference percentages established in Article 112 of the referenced Law.

V. That Article 114 of the Comprehensive Pension System Law establishes the minimum pensions for the System.

VI. That Article 149 of the Comprehensive Pension System Law establishes that the Public System, which includes the Pension Unit of the Salvadoran Institute of Social Security and the Salvadoran Institute of Pensions, must provide benefits in accordance with said Law and its own creation Laws.

VII. That Article 159 of the Comprehensive Pension System Law establishes that the Central Bank of Reserve of El Salvador will issue the Technical Standards necessary to allow the development of what is established in the referenced Law.

VIII. That Article 7, letter l) of the Law on Supervision and Regulation of the Financial System, establishes that the National Institute of Pensions of Public Employees and the Salvadoran Institute of Social Security are members of the financial system, the latter with respect to the Public Pension System, the Professional Risks Regime, and technical health reserves.

IX. That Article 101, fourth paragraph of the Law on Supervision and Regulation of the Financial System, establishes that the powers to approve, modify, and repeal technical standards that must be complied with by members of the financial system and other supervised entities, which were attributed to the Superintendencies or the Directing Councils of the Superintendencies whose organic laws have been repealed by said Law, are transferred to the Central Bank.

X. That it is necessary to update the requirements and procedures for the granting of Survivor Benefits in the Public Pension System, so that they can be executed in an agile and efficient manner.

THEREFORE, by virtue of the regulatory powers conferred by Article 99 of the Law on Supervision and Regulation of the Financial System,

AGREES to issue the following:

TECHNICAL STANDARDS FOR THE GRANTING OF SURVIVOR BENEFITS IN THE PUBLIC PENSION SYSTEM

CHAPTER I
OBJECT, SUBJECTS, AND TERMS

Object
Art. 1.- The object of these Standards is to establish the requirements and procedures that must be followed by the obligated subjects to these Standards, to grant survivor benefits in the Public Pension System. Likewise, to establish the methodology for the calculation and distribution of said benefits.

Subjects
Art. 2.- The subjects obligated to comply with the provisions established in these Standards are:
a) Salvadoran Institute of Pensions; and b) Salvadoran Institute of Social Security.

Terms
Art. 3.- For the purposes of these Standards, the terms indicated below have the following meaning:
a) Active Affiliate: Worker registered in one of the Disability, Old Age, and Death Regimes, administered by the Salvadoran Institute of Pensions; or by the Salvadoran Institute of Social Security, who was contributing, in an obligatory manner, on the date of death; b) Insured: Worker registered in one of the Disability, Old Age, and Death Regimes, administered by the Salvadoran Institute of Pensions; or by the Salvadoran Institute of Social Security, who participated or participates in the financing of one or both Regimes, through contributions; c) AFP: Pension Fund Administrator; d) Central Bank: Central Bank of Reserve of El Salvador; e) Beneficiaries: Members of the family group of the affiliate who dies from illness or common accident, understood as the spouse, the cohabitant, the children, and the parents, the latter always provided they are economically dependent on the affiliate or pensioner in the Public Pension System who dies; f) Deceased: Affiliate or pensioner of the Public Pension System who, upon their death, generates the right to a survivor benefit for their beneficiaries; g) Unemployment: It constitutes a period in which the affiliate does not perform an economic activity that generates the obligation to contribute to the Public Pension System; h) Disability Assessment Commission: Body created by Article 104 of the Comprehensive Pension System Law that enjoys autonomy regarding the knowledge and assessment of requests submitted to its consideration, whose main function is to determine the origin of the illness or common or professional accident and assess the degree of disability. This Commission is the only one legally authorized to assess requests and issue Disability opinions in accordance with the provisions contained in the “Technical Standards for the Assessment of the Degree of Disability and Determination of Serious Illness to Dictate the Right to Disability Pension and Return of Balance for Serious Illness by the Disability Assessment Commission” (NSP-45), issued by the Central Bank of Reserve through its Standards Committee; i) Cohabitant: The term cohabitant refers to the man or woman in a non-marital union in accordance with Article 118 of the Family Code, for which it must be proven through a judicial declaration of this status; this proof will not be required in cases where there are common children, whether born or conceived, without other requirements; j) Work History: The historical record of contributions and payments that have been made to the Disability, Old Age, and Death Regime administered by the Salvadoran Institute of Pensions; or by the Salvadoran Institute of Social Security, by the employer and the employee, respectively; k) Pension Institutes: Refers to the Salvadoran Institute of Pensions and the Salvadoran Institute of Social Security; l) ISBM: Salvadoran Institute of Teacher Welfare; m) ISP: Salvadoran Institute of Pensions; n) ISSS: Salvadoran Institute of Social Security; o) SP Law:
Comprehensive Pension System Law; p) INPEP Number: Number granted by the National Institute of Public Employees to its affiliates, prior to the entry into force of the Creation Law of the Salvadoran Institute of Pensions. q) Parents: Father and mother of the deceased affiliate; r) Survivor Pension: Corresponds to the monetary benefit granted by the Disability, Old Age, and Death Regime of the ISSS or ISP, as applicable, to the beneficiaries of an affiliate or pensioner who dies. The survivor pension will be delivered as a monthly payment and may be temporary or lifelong, depending on the age and condition of the beneficiary; s) Recalculation: The recalculation of survivor pensions consists of a modification in the pension percentage as a consequence of the incorporation of new beneficiaries or due to the loss of the right of any of them. In concrete terms, the recalculation translates into a modification in the pension amount initially assigned to each of the beneficiaries; t) IVM Regime: Disability, Old Age, and Death Regime; u) SP: Pension System; v) SBR: Regulator Basic Salary; w) SPP: Public Pension System; and x) Superintendency: Superintendency of the Financial System.

CHAPTER II
GENERAL ASPECTS

Scope of Application
Art. 4.- It shall be the responsibility of the IVM Regime administered by the ISSS or ISP, or both, if applicable, for the survivor benefits referred to in these Standards, when generated in any of the following cases:
a) In the case of death of an active affiliate, provided that the origin of death is a common illness or accident; b) In the case of death of a pensioner due to common disability or disability due to professional risks; and c) By death of a pensioner due to old age, regardless of the cause or origin of death, will also generate the right to a survivor pension in the SPP. In all cases of letters a) and b) of this article, benefits will be granted provided that the deceased had met the contribution time requirements set forth in the SP Law and Article 8 of these Standards.

Art. 5.- The survivor benefits referred to in these Standards will not be applicable in the case of active affiliates of the ISSS or ISP, when they die due to illness or accident from professional risk.

Art. 6.- The Pension Institutes must consider the incompatibility between benefits granted by the ISSS Health Regime with those granted by the IVM Regime of the ISSS or ISP originating from the same risk. (1)

Art. 7.- To establish the origin of death of an active affiliate and determine the Disease, Maternity, and Professional Risks Regime or IVM Regime that will be responsible for paying the corresponding benefits, the information contained in the Death Certificate of the affiliate, the Medical-Legal Recognition Certificate, the Forensic Report, as applicable, will be used. If the analysis of the information results that the cause of death was a work accident or professional illness, it will correspond to the Disease, Maternity, and Professional Risks Regime of the ISSS to grant the corresponding survivor benefits.

CHAPTER III
ON THE REQUIREMENTS TO GENERATE SURVIVOR PENSION IN THE SPP

Requirements
Art. 8.- For an active affiliate or insured to generate the right to a survivor pension, the Pension Institutes must consider any of the following requirements:
a) Three years of contributions during the five years prior to the date of death; b) Being contributing at the time of death, in case of death by accident or common illness, or having contributed at least six months during the last twelve and the accident or illness having occurred after their affiliation; and c) Registering a minimum of ten years of effective contributions on the date of death.

On the applicability or not of the accumulation of periods to grant survivor pension Art. 9.- When the deceased had contributed, during their working life, to both Pension Institutes and the times registered in one of them are sufficient for the granting of survivor pension to the beneficiary family group, the accumulation of periods that the deceased registered in the other Pension Institute will not be used. This provision will give rise to two independent benefits, which may be any of the following combinations:
a) One pension in one Institute and an assignment in the other, and b) Two survivor pensions, considering the compatibility between them in the SPP.
In both cases, the beneficiaries of the deceased must request the respective benefits independently. In the case of the assignment referred to in letter a), the work history of the deceased must register at least twelve months of continuous or discontinuous contributions.

Art. 10.- Additionally to what is established in the previous article, if there are simultaneous contributions to both Pension Institutes, they will be counted independently.
When the independent times in each of the IVM Regimes of the ISSS and ISP are insufficient for an affiliate to generate survivor pensions, the periods contributed to the ISSS can be accumulated with the times contributed to the ISP and vice versa, thus completing the required contribution time requirement. In the case where there are periods in which the affiliate made simultaneous contributions to both Pension Institutes, these will be counted only once.

Art. 11.- In the case of voluntary contributors who die due to common risks, they will have the right to Survivor Benefits in the SPP provided they meet any of the contribution time requirements established in Article 8 of these Standards, as applicable. In case that on the date of their death, the voluntary contributor was without making contributions for up to a period of twelve months, they will generate the right to survivor pensions provided they prove in their Work History a minimum of five years of contributions, continuous or discontinuous, from their affiliation with the ISSS or ISP. In case of death due to professional risk of an affiliate, voluntary contributor, the IVM Regime administered by the ISSS or ISP, as applicable, will have no responsibility for the payment of benefits to the survivors. In any case, it will be the Disease, Maternity, and Professional Risks Regime of the ISSS that will grant the benefit to which they have the right provided the deceased has met the requirements established by said regime.

CHAPTER IV
ON THE BENEFICIARIES AND THE REQUIREMENTS THEY MUST MEET TO ACQUIRE THE RIGHT TO SURVIVOR PENSION

Beneficiaries
Art. 12.- In accordance with Article 111 of the SP Law, the following will have the right to survivor pension:
a) The children of the affiliate up to the age of 18 years; or up to 24 years if they are studying basic, secondary, technical, or higher education; or of any age if they have any disability as determined by the Disability Assessment Commission; b) The widow or widower; the cohabitant or cohabitant of non-marital union declared judicially in accordance with the provisions of the Family Code. Such declaration will not be required if there are common children, born or conceived, except when two or more persons present themselves claiming to be the cohabitant of the deceased affiliate; nevertheless, the Pension Institutes are authorized to verify if there was material cohabitation; and c) The parents of the deceased, if they were economically dependent on the affiliate; notwithstanding the above, if the parents have a disability condition before the date of death of the deceased, this requirement will not be required.

Requirements that beneficiaries of survivor pension must meet Art. 13.- To be able to access the survivor pension, the beneficiaries must meet the following:
a) For the Spouse or Cohabitant:
i. Have married the deceased;
ii. In the case of non-marital union, they must demonstrate their status as cohabitant in accordance with Article 118 of the Family Code, for which they must follow a trial in the corresponding instances, who will certify the cohabitation. This will not be required in cases where there are common children, whether born or conceived, without other requirements, except when two or more persons present themselves claiming to be the cohabitant of the deceased affiliate, notwithstanding, the Institute is authorized to verify if there was material cohabitation.
b) For the children:
i. Be under 18 years of age;
ii. Be a student of basic, secondary, technical, or higher education if their age is between 18 and 24 years.
iii. Be an invalid child, regardless of their age, for which they must undergo an opinion from the Disability Assessment Commission.
c) For the parents:
i. Be economically dependent on the deceased, provable by the Pension Institutes through the result of a socioeconomic study.
Notwithstanding the above, if the parents have a disability condition before the date of death of the deceased, the previous requirement will not be required and they must undergo the disability assessment process, so that the Disability Assessment Commission issues the corresponding opinion.

Probative documentation to access the right to a survivor benefit Art. 14.- The person(s) responsible for the management of survivor benefits must present the corresponding documentation regarding the identification, affiliation, and death of the deceased, as follows:
a) ISSS or ISP affiliation card, or both, if applicable; b) Unique Identity Document; c) Certification of the Death Certificate; d) In case of accidental death, the Medical-Legal Recognition Certificate will be required; issued by the competent authority and in cases of presumption of death by disappearance, what is established in the Civil Code and the Civil and Commercial Procedural Code will apply; e) Forensic Report, if applicable; f) Certification of the birth certificate, which must be issued no more than six months prior; and (3) g) When it concerns the death of a pensioner of the Health Regime, a copy of the documentation stating their status as a pensioner due to Professional Risks of the ISSS must also be presented.

CHAPTER V
ON THE APPLICATION FOR SURVIVOR BENEFITS
Art. 15.- When the beneficiary or beneficiaries, or their legal representative, present themselves to initiate the processing of the survivor benefit, the Pension Institute will verify in the Work History System the compliance with the contribution time requirements of the deceased, in accordance with Article 8 of these Standards. After verifying the compliance with the contribution time requirements of the deceased, the Pension Institute will inform the beneficiaries according to each case about the following:
a) That the deceased indeed accumulated the required contribution time, thereby generating the right to a survivor pension; b) That the deceased did not meet the required contribution times, but registered at least twelve months of contributions, so it is appropriate to grant a Survivor Assignment, whose calculation method is the same as that indicated for the case of old age assignment; or c) That the affiliate did not register the necessary contribution times to obtain pension or assignment by survivorship, so no benefit is granted. If the beneficiary, or their representative, disagrees with the contribution time registered by the deceased, they must file their claim with the Pension Institute, attaching the probative documents of said times and contributed salaries. If the deceased had accumulated the necessary time to generate a survivor benefit, it will not be an impediment to calculate the respective benefit that there are declared but unpaid contributions or contributions in arrears. In any case, it will be the option of the interested party, or their representative, whether the final calculation of the pension is carried out omitting said contributions in arrears or if said calculation remains suspended until the date when the contributions and contributions that should have been made on behalf of the deceased are recovered. The recovery of said contributions and contributions will be managed by the Pension Institute upon request of the interested party (or parties).

Alameda Juan Pablo II, between 15 and 17 Av. Norte, San Salvador, El Salvador.
Tel. (503) 2281-8000 www.bcr.gob.sv
CNBCR-11/2022
NSP-70
TECHNICAL STANDARDS FOR THE GRANTING OF SURVIVORSHIP BENEFITS IN THE PUBLIC PENSION SYSTEM Approval: 30/12/2022 Validity: 30/12/2022

In cases where periods with issues serve to complete the times required to obtain the right to a pension, this situation must be reported to the interested party(ies), in order to give them the option between a survivorship allowance or initiating the management to collect the delinquent periods. If they opt for the latter, the calculation of the pension will be suspended, restarting on the date when those contributions have been recovered. If, after completing the administrative or judicial collection actions, the recovery of the delinquent contributions has not been obtained, the possibility of granting a Survivorship Allowance must be determined.

Notwithstanding the foregoing, delinquent contributions attributable to the employer may be paid directly by the beneficiary(ies), provided that it is demonstrated that there was an employment relationship with the deceased; in such cases, the beneficiary(ies) will pay the necessary contributions at nominal value, to access the corresponding benefit in accordance with what is established in the SP Law, without prejudice to the sanctions that may be applied, and to the legal actions that may be brought against the employer. The payment of contributions may be made through the mechanisms established by the Pension Institutes.

Art. 16.- In any of the situations described in literals a) or b) of the previous article, the Pension Institute must grant the beneficiaries or their legal representative the Application for Pecuniary Survivorship Benefit, in accordance with Annex No. 1 of these Standards.

Such Application must be verified and signed by the beneficiary or their legal representative, as a sign of agreement.

In case that, within the entitled family group, there is a beneficiary who requires a disability qualification, the interested party or their legal representative must be given the respective Disability Qualification Application. The Application for Pecuniary Survivorship Benefit must be completed on a later date, only if the opinion issued by the Disability Qualifying Commission is favorable.

The Application(s) for Pecuniary Survivorship Benefit must be submitted attaching the probative documentation of the affiliation and death status of the affiliate, as well as the corresponding documentation for each of them. When there are several beneficiaries, it is sufficient for one of them to present such documentation corresponding to the deceased.

The Pension Institute must take into consideration that adult children will fill out an Application for Pecuniary Survivorship Benefit, for each one. Similarly, in the case where there are children entitled to a survivorship pension, belonging to different family groups, the interested party(ies) or their representative will fill out and sign the Application for Pecuniary Survivorship Benefit independently.

For cases of Applications for Pecuniary Survivorship Benefit, the date of commencement of the accrual of the survivorship pension will be established as the day following the death of the deceased; however, when it concerns a deceased considered to be an elderly person, the full month in which the death occurred must be paid, and the payment of the corresponding benefit will begin to accrate from the month following said death, in accordance with what is established in literal e) of article 18 of the Special Law for the Protection of the Rights of Elderly Persons. (2)

Art. 17.- When two or more persons who prove to have married the deceased (or the deceased) are presented before the Pension Institute, the determination of the person to whom the survivorship benefit will be granted will be carried out in accordance with the opinion issued by the Family Judge, or by the competent authority.

When two or more persons who prove, documentally, that they procreated children in common with the deceased, without having contracted marriage, but lived in a non-marital union, are presented before the Pension Institute, the determination of the person to whom the survivorship benefit will be granted will be carried out in accordance with the certification issued by the Family Judge, or by the competent authority.

From the Application for Pecuniary Survivorship Benefit

Art. 18.- The Pension Institutes will make available to beneficiaries, in their administrative, regional, and departmental offices, the form for the Application for Pecuniary Survivorship Benefit, considering that the dimensions of this form are at the discretion of each Pension Institute. However, the format of this form will be mandatory for Pension Institutes, in design and content in accordance with Annex No. 1 of these Standards.

The Pension Institute must keep the Application in original and deliver a copy, to the beneficiary or their representative, as applicable. The use of a form different from that established in these Standards will render the procedure void for which it was created. Likewise, it will not take effect when it includes information that does not correspond or omits part of it.

Documents accompanying the Application

Art. 19.- The quality of beneficiary of each of the members of the family group entitled to a survivorship benefit must be proven by presenting the documentation that establishes the family or parental link with the deceased affiliate or their marital relationship derived from their civil status of married or by the cohabitation situation recognized by the Family Code, attaching the following:

a) The widow or widower:
i. Certification of the marriage certificate;
ii. Pregnancy certificate signed and stamped by a medical professional, if necessary;
iii. Certification of the birth certificate of the children, when these are in common and minors; and
iv. Unique Identity Document (for Salvadoran persons); Passport or Residence Card (for foreign persons), valid and in good condition.
b) The cohabitant:
i. Certification of the judicial declaration of cohabitation;
ii. Pregnancy certificate signed and stamped by a medical professional, if necessary;
iii. Certification of the birth certificate of the children, when these are in common and minors; and
iv. Unique Identity Document (for Salvadoran persons); Passport or Residence Card (for foreign persons), valid and in good condition.
c) Children under 18 years of age:
i. Certification of the birth certificate; and
ii. Disability opinion, if necessary.
d) Children from 18 to 24 years of age:
i. Certification of the birth certificate;
ii. Disability opinion, if necessary;
iii. Unique Identity Document (for Salvadoran persons); Passport or Residence Card (for foreign persons), valid and in good condition; and
iv. Certificate that they carry out studies, whether basic, secondary, technical, or higher education, which must be duly signed and stamped by the competent authority in which such studies are carried out.
e) Parents:
i. Unique Identity Document (for Salvadoran persons); Passport or Residence Card (for foreign persons), valid and in good condition;
ii. Disability opinion; and
iii. Certification of the birth certificate of the deceased child.

In cases where a pension for ascendants should be granted and one of the parents has died by the date the benefit is managed (or if they die on a date subsequent to the date it is granted), the surviving beneficiary must present the certification of the death certificate of the deceased only in cases where the affiliate's file does not register such information.

In the case of Certifications of birth certificates, these must have an age no greater than six months with respect to the date of submission of the application. (3)

CHAPTER VI
ON THE METHOD OF CALCULATION OF SURVIVORSHIP PENSIONS

Art. 20.- Once the required information is complete and the right is established, the Pension Institute will determine the respective survivorship benefit.
To calculate survivorship pensions, it is necessary to establish the time the affiliate accredited in their Work History, which must be considered in exact years and fractions of a year. The responsible Pension Institute must obtain the number of days computed and then divide them by 365.25.

Pension of Active Affiliates

Art. 21.- The amount on which survivorship pensions generated by Active affiliates will be calculated will be determined as a percentage of the SBR according to what is established in article 101 of the SP Law and in accordance with what is established in the “Technical Standards on Components of Financing of Benefits, Regulator Basic Salary and Years of Contribution” (NSP-48), issued by the Central Bank through its Standards Committee, taking into account the following mathematical formula:

PRNP = SBR * 50% [Eq. 1]

Where:
PRNP: Reference pension amount for survivorship for an unpensioned affiliate.
SBR: Regulator Basic Salary.

In the case that the resulting calculation of reference pensions is lower than the value of the current minimum survivorship pensions, these must be adjusted to said minimum amounts. Subsequently, the respective percentages will be applied to this amount for each beneficiary, this in accordance with article 112 of the SP Law.

In any case, the sum of the pensions of each of the beneficiaries cannot be lower than the amount of the full old-age minimum pension. The adjustment to the minimum survivorship pension will consist of redistributing, proportionally, the difference between the sum of the pensions and the amount of the minimum pension, assigned to each beneficiary, until reaching 100% of said minimum pension.

Pension of Insured Persons

Art. 22.- The calculation base on which the respective percentages of survivorship pension will be determined, generated upon the death of a pensioned affiliate, will be the amount of the disability or old-age pension that the affiliate had been accruing the month prior to the month in which the death of the same occurred, taking into account the following mathematical formula: (1)

PRP = PD [Eq. 2]

Where:
PRP: Reference pension amount for survivorship for a pensioned affiliate.
PD: Amount of disability or old-age pension that the pensioned affiliate had been accruing the month prior to the month of their death.

Once said amount has been determined, it will be distributed among the number of beneficiaries applying the benefit percentage, as applicable, thus obtaining the pension amounts that correspond.

CHAPTER VII
PERCENTAGE DISTRIBUTION OF SURVIVORSHIP PENSIONS

Art. 23.- The survivorship benefit will be distributed according to the following percentages of the reference pension of the deceased affiliate:
a) 60% for the spouse or partner, when there are no children entitled to a pension; b) 50% for the spouse or partner, with children who have the right to a pension. This percentage will increase to 60% when such children cease to have the right to a pension; c) 25% for each of the children entitled to a pension; and d) 20% for the father and 20% for the mother, or 30% if only one of them exists.

When there is no spouse or partner entitled to a pension, the percentage established in literal b) will be distributed among the children entitled to a pension.
When there are no spouse, partner, or children entitled to a pension, the percentages established in literal d) will be 40% for the father and 40% for the mother, or 80% if only one exists with the right to a pension.

In no case will the sum of the reference pensions exceed 100% of the reference pension of the deceased affiliate; in case of exceeding said percentage, the weighting will be made based on the percentages established in this article.

Art. 24.- The Pension Institutes must create a registry of beneficiaries and keep it updated, in order to obtain month by month, the information of the beneficiaries of orphan pensions, who within the next three months will turn 18 years of age, date from which the granting of pension is subject to the proof of the student status.

The Pension Institute must inform beneficiaries on the payment dates of the last three pensions, about the expiration of their right to the payment of the pension and the opportunity to recover the continuity in the right to the same if they documentally prove that they are studying. Additionally, they must be informed about the date on which their right expires and that they have a period of thirty days, counted from such date, to present the required documentation.

In case of not presenting it in a timely manner, the temporary suspension of the pension will proceed.

General provision applicable to the appearance of new beneficiaries

Art. 25.- The ISSS or ISP will have no responsibility whatsoever for the total or partial payment of pensions or survivorship allowances, when subsequently other persons prove to have equal or better rights to them; in such a situation, the payment of the pensions already granted must be suspended, relevant recalculation must be performed, and the benefits corresponding to the corrected amounts must be granted.

The modification in the amount of the pensions will not give rise to refunds to the new beneficiaries, leaving intact the right to initiate the corresponding judicial actions. The respective Pension Institute will adopt the corresponding resolutions, which must be transcribed to the Superintendency, after three business days from having been notified to the interested parties.

CHAPTER VIII
REQUIREMENTS TO MAINTAIN CONTINUITY IN THE RIGHT TO SURVIVORSHIP PENSION IN THE SPP

Art. 26.- To maintain the continuity of the right to survivorship pension, beneficiaries must comply with the following:
a) For children under 18 years of age:
i. Verify their survival every six months, by the means that the respective Institute establishes through the regulation for such purposes established by the Central Bank through its Standards Committee; and
ii. Present the Residence Certification, if it is the case of children under 18 years of age who reside abroad. Such certification must be presented during the first month of each year.
b) For children between 18 and 24 years of age:
i. Prove that they carry out studies, whether basic, secondary, technical, or higher education, with the presentation of a certificate issued by the competent authority in which such studies are carried out, during the first month of each cycle or academic year, which must be duly signed and stamped by said authority; and
ii. During the duration of the cycle being studied, the grade report or its equivalent corresponding to the previous cycle must be presented to establish the continuity in their quality as a student. If the presentation of said report is omitted, they will not have the right to the pension payments corresponding to the current cycle nor to those corresponding to the next cycle, even if they present the documentation that proves their enrollment. The Pension Institute must initiate the collection actions for the pensions paid unduly, or in its case, deduct them from future payments.

The continuity in the right to survivorship pension is independent of the approval of the subjects enrolled, by the beneficiary.
When the beneficiary does not present during the first month of each cycle or academic year the probative documentation of their quality as a student, the payment of the pension will be temporarily suspended, for an additional period of six months, and will be resumed, with retroactive effects in what corresponds, when they meet the aforementioned condition. c) For the widow, widower, partner or cohabitant:
i. Prove their survival every six months, by the means that the respective Institute establishes through the regulation for such purposes established by the Central Bank through its Standards Committee.

Art. 27.- Notwithstanding what is provided in the previous article, for child beneficiaries between 18 and 24 years of age, they may recover the right to survivorship pension when they have been temporarily unable to carry out studies due to illness or having suffered an incapacity. In these cases, the following procedure will be followed:
a) If it is a beneficiary who at the same time as studying, exercised a remunerated activity for which they had the right to the benefits of the Health Regime, they must present the Disability Certificate issued by the ISSS Regime for Illness, Maternity and Occupational Risks. In this case, the date on which the right to survivorship pension will be recovered will be the date on which they resume their studies, provided that on the date they cease to receive the disability subsidy they have not yet turned twenty-four years old. b) If it is a beneficiary who did not exercise a remunerated activity at the date they suffered the illness or incapacity, or did not have coverage of the benefits of the ISSS Health Regime, they must initiate the disability qualification process with the Disability Qualifying Commission, in order to establish the date from which the beneficiary may resume studies, if the illness or incapacity is temporary. In any case, the result of the opinion may also establish whether the right to survivorship pension is lifelong, when the illness or incapacity has caused in the beneficiary a loss in physical or intellectual capacity equal to or greater than 50%.

If the Disability Qualifying Commission has established that the illness or incapacity is temporary, the date on which the right to the pension will be resumed will be the date on which they resume their studies, provided that they have not yet turned twenty-four years old.

In both cases, the temporary suspension of the pension will be applied, even if the right to it is recovered on a subsequent date.

CHAPTER IX
LOSS OF RIGHT AND RECALCULATIONS OF SURVIVORSHIP PENSIONS

Loss of Right to Survivorship Pensions

Art. 28.- The right to pensions is lost for any of the following causes:
a) For children:
i. Death;
ii. Reaching the age of 18 years and not documentally proving their quality as a student;
iii. Being between 18 and 24 years of age and not documentally proving the quality of student in accordance with the conditions established in these Standards; or
iv. Cessation of the state of Disability in the case of children over 24 years of age. The right will be lost if, through inspection, the Pension Institute verifies such condition.
b) For the widow, widower, partner or cohabitant:
i. Death.
c) For parents, the right to pensions is lost by the death of the beneficiary.

Recalculation of Survivorship Pensions

Art. 29.- When a beneficiary ceases to have the right to a survivorship pension and as long as there are other survivors among whom to distribute the corresponding percentage, it will be necessary to perform the recalculation of the amounts of the pensions that will remain valid, taking into consideration what is established in article 112 of the SP Law.

Art. 30.- Repealed. (1)

Survivorship Allowance

Art. 31.- The Survivorship Allowance is a pecuniary benefit granted to a beneficiary family group, when the deceased does not meet any of the requirements established to enjoy a survivorship pension, indicated in article 8 of these Standards.

If the deceased registered at least twelve months of contributions, whether continuous or discontinuous, in the ISSS or ISP, or in both, their beneficiaries will be entitled to receive a "Survivor Allowance," which will consist of a single payment, equivalent to 10% of the SBR for each month contributed.

In the event that due to the number of eligible survivors the 100% of the allowance is not distributed and a remainder remains, this will be retained by the corresponding Pension Institution for a period of two years, counted from the date of death of the deceased. If during said period no other eligible beneficiaries present themselves, the 100% of said remainder will be distributed among the number of beneficiaries existing on the date the deadline expires.

In the case of Survivor Allowance for the father and mother of the deceased, the retention of the allowance remainder will not proceed, but the 100% will be distributed. However, if only one ascendant has presented themselves, the remainder must be retained and delivered to the sole parent, after the two-year term has expired.

Art. 32.- The corresponding Pension Institute must consult the beneficiary on the form of disbursement of the benefit, which will be specified by the beneficiary. The disbursement must be made by credit to an account in the name of the beneficiary, as appropriate, by deposit into a checking or savings account, in any financial institution authorized to capture public deposits subject to regulation and supervision in accordance with the Law on Supervision and Regulation of the Financial System, indicated by the beneficiary; in exceptional cases, payment may be made by non-negotiable check or other payment mechanisms authorized for the financial institution.

Verification of survival of residents in the country (1) Art. 33.- For the verification of survival of beneficiaries entitled to survivor pension residing in the country, the following is established: (1)

a) The Pension Institute must verify the survival status of the beneficiary entitled to survivor pension semiannually; (1)

b) The Pension Institute must verify under any of the modalities established by the SP Law, semiannually, that each beneficiary entitled to survivor pension continues to be alive and is entitled to the corresponding pension, for which the Pension Institute must request this, sixty days in advance of the fulfillment of the established deadline, that the verification be carried out as indicated; (1)

c) To document this situation, the form designed for such effect will be filled out, which must contain as a minimum what is established in article 33-C of these Standards; and (1)

d) The verification of survival of beneficiaries entitled to survivor pension who have been classified as disabled will be carried out by means of a home visit by a social work professional. This procedure may also be applied when a beneficiary who is not disabled demonstrates being unable to reach the Pension Institute due to deterioration in their health or advanced age. This procedure will also apply in cases where the beneficiary is a minor and the legal representative or tutor is in the conditions mentioned above, for which the latter must demonstrate being unable to take the minor to the Pension Institute. The Pension Institutions must leave a written record of the procedure carried out. (1)

Repealed. (1)

Verification of survival of residents abroad (1) Art. 33-A.- For the verification of survival of beneficiaries entitled to survivor pension residing abroad, they may carry out any of the following forms: (1)

a) The beneficiary entitled to survivor pension residing outside the country must present themselves before the Office of the Salvadoran Consulate or before the offices of the person exercising the function of notary in the country of residence, where they will request to make a Sworn Declaration, which will be valid in El Salvador, provided that it is carried out in accordance with the notarial legislation of El Salvador, in the Castilian language and bearing the authentic signatures required by Salvadoran laws and international treaties subscribed by El Salvador, when applicable; or (1)

b) The beneficiary entitled to survivor pension may also verify their survival through the sworn declaration, granted in the country of residence before the offices of a public notary authorized by the Supreme Court of Justice of El Salvador. (1)

In this case, the sworn declaration may be made in a notarial deed, provided that it complies with the requirements established by the Notary Law of El Salvador. The Pension Institute may hire companies in order to receive verifications of survival abroad in accordance with what is established in article 42 of the SP Law. (1)

At no time may an attorney sign the verification of survival of the beneficiary entitled to survivor pension that they represent. (1)

Art. 33-B.- If the beneficiary entitled to survivor pension does not carry out the verification on the date indicated by the Pension Institute, the payment of the pension or benefit will be suspended from that moment. Said payment will be resumed on the next business day with retroactive effect, once the beneficiary entitled to survivor pension proves the referred condition. This deadline will not apply in exceptional cases where the lack of verification of survival is greater than two years or documents must be requested to prove the requirements for the enjoyment of the pension or benefit. Once the requirements are proven, payment must be made on the next business day. (1) (3)

Art. 33-C.- The format of the form is at the discretion of the Pension Institute, however, it must contain, as a minimum, the following information: (1)

a) Name of the beneficiary entitled to survivor pension; (1)

b) Type of pension; (1)

c) Personal Data: (1)

i. Data of the beneficiary entitled to survivor pension; (1)

ii. Type and number of Identity Document; (1)

iii. Address and telephone, both personal and work; and (1)

iv. Email. (1)

d) Information of the attorney or legal representative, if applicable: (1)

i. Name of the attorney or representative; (1)

ii. Name and number of Identity Document; (1)

iii. Address and telephone; (1)

iv. Email; (1)

v. Information related to the public deed, such as: number of deed, number of protocol and name of the notary. (1)

e) Names and Signatures: (1)

i. Of the person receiving the form, named or authorized by the Pension Institute; (1)

ii. Of the beneficiary entitled to survivor pension, if they cannot sign, the fingerprint; (1)

iii. Of the person who signs on behalf, when the beneficiary entitled to survivor pension cannot or does not know how to sign. The person who signs on behalf must include their Identity Document; and (1)

iv. Of the legal representative or attorney, if applicable. (1)

Art. 33-D.- The Pension Institute may keep a record of the survival of its beneficiaries entitled to survivor pension, residents in El Salvador and abroad, through a biometric equipment, so that, in an expeditious and secure manner, they can carry out an effective review of the survival of these and that allows continuity to the payments made through these, of the benefits granted by the SPP. (1)

The Pension Institute will be responsible for the implementation, operation, dissemination and verification of the correct functioning of the tool, ensuring that beneficiaries entitled to survivor pension know the method and the way to demonstrate their survival, as well as their encoding. (1)

The Pension Institute must place the devices in places accessible to users and implement all those controls aimed at avoiding any type of fraud involving an inadequate use of the control mechanism. (1)

Of the notification of the survival verification process (3) Art. 33-E.- The Pension Institutes must notify beneficiaries entitled to survivor pension, through the different communication channels at their disposal, including instant messaging applications, text messages, email or phone calls, regarding the obligation to carry out the verification of survival. Such notification must be made within the first three business days of the month in which the verification of survival corresponds to be carried out and reiterated two weeks prior to the end of said month. (3)

The communication must be made, as a minimum, by two of the following means: the sending of a text message or call to the registered telephone number of the beneficiary, an email to the registered electronic address or a message through the WhatsApp instant messaging application, when said channel is enabled. (3)

Likewise, the Pension Institutes must carry out information campaigns directed at beneficiaries at least every three months, aimed at raising awareness about the importance and timeliness of the verification of survival in the month corresponding to each beneficiary. In the event that the beneficiary does not carry out the verification of survival within the corresponding month, the Pension Institute must formally communicate to them within the first three business days of the following month their condition of non-compliance, warning that the payment of the pension will be suspended until said requirement is met. In said communication, the means and channels available to carry out the verification of survival must be clearly indicated, in order to reactivate the payment of the benefit. (3)

CHAPTER X
OF THE DETERMINATION OF THE ECONOMIC DEPENDENCY CONDITION OF THE PARENTS OF AN AFFILIATE WHO DIES FROM COMMON RISKS

Of the requirements and benefits
Art. 34.- Parents who depend economically on the deceased will be entitled to survivor pension, for which the condition of economic dependency must be determined in accordance with what is established in these Standards.

Dependent parents subject to pension
Art. 35.- Parents who are considered dependent with right to survivor pension are those who, at the time of the death of an affiliate, prove their economic dependency, in accordance with what is provided in this chapter. For the determination of economic dependency, a socio-economic study must be submitted to, in those cases where income exceeds the current minimum wage. The referred verification of income must be carried out at the time of presenting the application for survivor pension.

However, notwithstanding the above, if the parents have a condition of disability before the date of death of the deceased, the previous requirement will not be exigible and must be submitted to the disability qualification process, so that the Disability Qualifying Commission issues the corresponding opinion.

Of the socio-economic study
Art. 36.- The socio-economic study will be processed by the Pension Institute at the request of the dependent parents of the deceased, being the costs of its elaboration at the expense of the Pension Institute; said study will be entrusted to a professional in social work or person who demonstrates verifiable experience in that field of at least five years.

Repealed. (2)

In the event that the Institute does not have the personnel to carry it out, it may hire third parties, who must register previously in the Public Registry of the Superintendence. (1)(2)

The socio-economic study must be carried out within a period not greater than one month after the presentation of the request for the same by the dependent parents. (1)(2)

Art. 37.- The socio-economic study will comprise field work, as well as the diligences and investigations necessary that will be documented in a report to be presented to the Pension Institute. The study may be the same for both parents, if they have common residence; otherwise, separate studies must be carried out.

Socio-economic questionnaire
Art. 38.- In order to verify the level of income and expenses of the family group with whom the dependent parents reside, the person in charge of carrying out the socio-economic study must complete, during their field visit, a socio-economic form whose characteristics are detailed in Chapter XI of these Standards. Said form must be completed exclusively by the professional in charge.

Probative documents
Art. 39.- Parents are obliged to provide the necessary documents to prove that the information stated in the questionnaire is valid. Among the documents to be presented must be, when applicable, the following:

a) Payment receipts or salary certificates of the members of the family group who receive salaries;

b) Balance in their bank accounts;

c) Shares or participations they possess in capital societies;

d) Income from dividends;

e) Other income from pecuniary activities;

f) Time deposits;

g) Copies of receipts for water, electricity, telephone, municipal taxes and others that demonstrate the declared monthly expenses;

h) ISSS statement or ISBM card or any other identification of coverage by some health program in the name of the dependent parents when applicable;

i) Debt certificates, specifying: balance, payment periodicity and amount of the quota;

j) Properties of which the potential beneficiaries are owners;

k) Declarations of Tax on the Transfer of Movable Property and on the Provision of Services (VAT), on Income and Municipal for the last two years; and

l) Pension certificates of the dependent parents.

All documents must refer to dates included within the three months prior to the occurrence of the death of the deceased. When dependent parents present photocopies of the probative documents, the person who confronted them with the originals must sign and include their name on the photocopy as a sign of verification.

CHAPTER XI
OF THE INFORMATION REQUIRED TO DETERMINE THE CONDITION OF ECONOMIC DEPENDENCY

Request for socio-economic study
Art. 40.- Parents considered as potential beneficiaries must present to the Pension Institute a request for them to carry out the socio-economic study, which must contain as a minimum the following:

a) Identification of the parents:

i. Full name of the parents;

ii. Place and date of birth;

iii. Gender;

iv. Exact address; and

v. Telephone.

b) Data of the deceased:

i. Name of the affiliate;

ii. Identity Document; and

iii. Date of death.

Information required to develop the socio-economic study Art. 41.- Upon receipt of the request referred to in the previous article, the Pension Institute must delegate a social worker to carry out the socio-economic study, who must consider in the study as a minimum the following:

a) Identification:

i. Full name of the parents;

ii. Place and date of birth;

iii. Gender;

iv. Exact address;

v. Telephone;

vi. Number of living children;

vii. Health coverage by ISSS, Magisterial Welfare or other coverage regime;

viii. Income:

Salary;
Contributions from third parties to the family group; and
Others (specify);

b) Family Group, understood as the relatives with whom the parents reside:

i. Full name of each member;

ii. Kinships;

iii. Ages;

iv. Occupation;

v. Family group income:

Salaries per person; and
Others (specify);

c) Income of each of the parents and of the parents' family group (separately):

i. Wages, salaries or daily wages;

ii. Per diems and travel expenses;

iii. Commissions and bonuses;

iv. Interest from deposits;

v. Dividends from shares or participations in capital societies;

vi. Rentals or leases; and

vii. Others (specify);

d) Monthly expenses of each of the parents and of the parents' family group (separated each of them):

i. Food;

ii. Housing;

iii. Education;

iv. Clothing;

v. Health;

vi. General services:

Water;
Electricity;
Telephone; and
Others (specify).

e) Transportation;

f) Contributions and deductions:

i. AFP;

ii. ISSS (IVM);

iii. ISP (IVM);

iv. Income;

v. Health; and

vi. Others (specify).

Payment of debts;
Quotas or contributions to institutions of public utility, patronages, associations, clubs and others; and
Others (specify);

g) Total:

i. Income – Expenses;

h) Detail of real estate of the parents and of the parents' family group (this must contain):

i. Name of the owner;

ii. Location;

iii. Value;

iv. Rent it produces;

v. Own or financed property; and

vi. Value of the financing quota;

i) Detail of the movable property of the parents and of the parents' family group:

i. House furniture (if financed, detail the debt balance and value of the quota); specify detail and value;

ii. Vehicles:

Brand;
Model; and
Approximate current value;

j) Other Movable Property:

i. Detail;

ii. Purchase value; and

iii. Balance and value of the quota if they are in financing;

k) Detail of other goods:

i. Rights;

ii. Shares;

iii. Participations in capital societies;

iv. Copyrights; and

v. Patents;

l) Detail of the debts of the parents and of the parents' family group:

i. Institution to which is owed;

ii. Amount granted;

iii. Updated balance;

iv. Amount of the quota; and

v. Payment periodicity.

The information provided to fill out the questionnaire constitutes a sworn declaration and the document will contain an authorization to verify the information provided, for which it will include in it, a text such as the following:

"I authorize the [name of ISSS or ISP, as applicable], to verify the information provided in this form. In the event that any information turns out to be false, it will not be taken into account for the evaluation of economic dependency and could lead to a declaration of non-dependency of the applicant".

Of the documentation on the socio-economic study process Art. 42.- The request of the parents, together with the documentation received in the process, the socio-economic study, as well as the opinion, must be incorporated into the file of the deceased.

Art. 43.- The Pension Institute after verifying the information of article 41 of these Standards, will issue the resolution granting or denying survivor pension, within the following ten days from the presentation of all the documentation.

CHAPTER XII
OF THE RESULT OF THE SOCIO-ECONOMIC STUDY AND THE BENEFITS TO DEPENDENT PARENTS

Result of the socio-economic study
Art. 44.- Upon completion of the socio-economic study, the person who carried it out must send the report to the Pension Institute duly signed by them, attaching the collected documentation, together with the reasoned opinion, on the economic dependency of the father, the mother or both, so that the Pension Institute has sufficient elements of judgment to pronounce the corresponding resolution within ten days, counted from the delivery of the report to the Pension Institute.

If the person who carried out the socio-economic study, after gathering all the information, states that there is no economic dependency, the declaration of non-existence of economic dependency can be made immediately; in any case, the Pension Institute must verify the report, taking into account the information presented by the person responsible for the socio-economic study.

Criteria to accredit the condition of economic dependency

Alameda Juan Pablo II, entre 15 y 17 Av. Norte, San Salvador, El Salvador.
Tel. (503) 2281-8000 www.bcr.gob.sv
CNBCR-11/2022
NSP-70
TECHNICAL STANDARDS FOR THE GRANTING OF SURVIVOR BENEFITS IN THE PUBLIC PENSION SYSTEM Approval: 30/12/2022 Validity: 30/12/2022

Art. 45.- The economic dependence of parents shall be proven if, according to the result of the socioeconomic study, any of the following conditions are met:
a) When the per capita income of the members of the dependent parents' family group is lower than the current minimum wage. The income includes:
i. Income from salary remuneration;
ii. Income from family sources, excluding that of the deceased;
iii. Any other income, except as noted in the following roman numeral; and (3)
iv. Any pension being received by the person potentially eligible for the survivor pension referred to in these Standards, regardless of whether it is a pension from their own source or derived from another deceased person.
b) When it is demonstrated that the aid received from the deceased represented at least twenty percent of the reference pension of the deceased.

Time limit to notify the resolution to dependent parents Art. 46.- The Social Security Institute, within a term of two business days counted from the issuance of the resolution, shall proceed to notify it to the applicant for the survivor pension.

Benefits to be granted in case of survivor pension to dependent parents Art. 47.- In the event that it is determined that the parents have the right to a pension, the percentage of pension to be paid shall be in accordance with what is established in Article 112 of the SP Law.

Regarding the denial of survivor pension to dependent parents Art. 48.- In the event that the dependent parents do not agree with the resolution, they will have a term of up to thirty days after its notification to present a request for review before the Social Security Institute. In the event that the dependent parents request a review, the Social Security Institute will have thirty days following its presentation to resolve, including in this term its notification. Furthermore, the dependent parents may express their disagreement with the issued resolution before the Superintendence, within a term of one year, counted from the date of notification of the resolution referred to in the preceding clause. Such expression must be supported by the probative documentation referred to in this Chapter. The Superintendence will resolve in accordance with the applicable legal framework.

CHAPTER XIII
OTHER PROVISIONS AND VALIDITY

Art. 49.- Repealed. (1)

Art. 50.- Repealed. (1)
Regarding the notification of the payment of pension or benefit (3) Art. 50-A.- The Social Security Institutes must notify by means of text messages or instant messaging, when the payment of the pension or survivor benefit has been made. (3)

Repeal
Art. 51.- These Standards repeal the "Technical Standards for the Granting of Survivor Benefits in the Public Pension System" (NSP-36) approved by the Central Bank through its Standards Committee, in Session CN-03/2021, of February 25, 2021.

Transitory (3)
Art. 51-A.- The Social Security Institutes must guarantee that the provisions approved through the modifications to these Standards, approved by the Central Bank through its Standards Committee in Session No. CN-01/2026 of January 29, 2026, are carried out starting from the month of March 2026, for which they will have the term to carry out the administrative and technological adjustments that guarantee the reactivation of the payment of suspended pensions or benefits due to the lack of the survival verification process. (3)

Sanctions
Art. 52.- Non-compliance with the provisions contained in these Standards will be sanctioned in accordance with what is established in the Law on Supervision and Regulation of the Financial System.

Unforeseen Aspects
Art. 53.- Aspects not provided for in regulatory matters in these Standards will be resolved by the Standards Committee of the Central Bank.
Validity
Art. 54.- These Standards will enter into force starting from the thirtieth of December of two thousand twenty-two.

MODIFICATIONS:
(1) Modifications to articles 6, 22, 33 and 36, repeal of articles 30, 49 and 50 and incorporation of articles 33-A, 33-B, 33-C and 33-D, approved by the Central Bank through its Standards Committee in Session No. CN-01/2023, of January 26, two thousand twenty-three, with effect from January 26, two thousand twenty-three.

(2) Modifications to articles 16 and 36, approved by the Central Bank through its Standards Committee in Session No. CN-03/2024, of February 29, two thousand twenty-four, with effect from March 15, two thousand twenty-four.
(3) Modifications to articles 14, 19, 33-B and 45 and incorporation of articles 33-E, 50-A and 51-A, approved by the Central Bank through its Standards Committee, in Session No. CN-01/2026 of January 29, two thousand twenty-six, with effect from February 13, two thousand twenty-six.

Annex No. 1

APPLICATION FOR MONETARY SURVIVOR BENEFIT

Application No.
ID Document No.
I: DATA OF THE DECEASED
1. FIRST NAME
2. SECOND NAME
3. FIRST SURNAME
4. SECOND SURNAME
5. MARRIED SURNAME
6. SEX
MALE FEMALE
7. KNOWN AS:
8. BIRTH CERTIFICATE:
No. ____________ BOOK: ________ PAGE: ________ MUNICIPALITY: __________________________ YEAR: _______________
9. : NIP: (For Public Sector Teachers) 10. ISSS No.:
11. INPEP No.
II. AFFILIATE STATUS AT THE DATE OF DEATH
13. LABOR STATUS: ACTIVE CONTRIBUTOR VOLUNTARY UNEMPLOYED SINCE DAY ___ MONTH ___ YEAR ____
14. PENSIONED FOR:
Common Disability Professional Disability Professional Risks Old Age

III. DATA OF THE BENEFICIARIES
15. NAME
16.
KINSHIP
IF APPLICABLE
17. DATE
OF
BIRTH
18. ADDRESS
19.
TELEPHONE
20. EMAIL

IV. DATA OF THE BENEFICIARY SAVINGS ACCOUNT (Will be used, in case the benefit is approved)
21. NAME OF THE BANK 22. SAVINGS ACCOUNT NUMBER
23. NAME OF THE PERSON AUTHORIZED
TO MAKE WITHDRAWALS:

_________________________ ______________________________ ________________________ PLACE AND DATE NAME AND SIGNATURE OF THE SEAL AND SIGNATURE OF BENEFICIARY APPLICANT RECEIVED LOGO OF THE SOCIAL SECURITY INSTITUTE

Lineage: No known changes

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