An insured woman


A woman will receive an old age pension if she is an Israeli resident aged 18 or over, born after January 1, 1931.

As of January 2013, an amendment to the law stipulates that women born before January 1, 1931, will also receive an old age pension.

If a woman immigrated to Israel she will receive an old age pension only if she first immigrated before the age of 60-62, as specified in the following table:

Date of birth A woman is covered if she first immigrated to Israel
FromUntil
--6/1944     Before the age of 60
7/1944          8/1944          Before the age of 60 and 4 months
9/1944          4/1945          Before the age of 60 and 8 months
5/1945          12/1945          Before the age of 61
9/1946          8/1946          Before the age of 61 and 4 months
1/1946          4/1947          Before the age of 61 and 8 months
5/1947          --Before the age of 62


There are two insurance plans for women to calculate their qualifying period

The insurance plan is determined in accordance with a woman's marital status (married, single, divorced and so forth) and whether or not she worked. Since a woman may change her marital or occupational status over the course of her life, her plan will change accordingly.

A woman will be covered by Insurance Plan 1 if she meets one of the following conditions:

  • She is married to an insured husband, and neither works as a salaried employee nor is self-employed;
  • She receives a survivors’ pension or work-injury dependents' pension, and neither works as a salaried employee nor is self-employed.

A woman will be covered by Insurance Plan 2 if she is one of following:

  • A working woman – during all the periods she works, irrespective of her marital status;
  • A single woman or divorcee – whether she works or not;
  • A married woman whose husband is not insured – whether she works or not;
  • A widow who does not receive a survivors’ or dependents’ pension as a result of the passing away of her husband – whether she works or not;
  • An abandoned wife – a married woman, two years after traces of her husband were lost or he has spent more than two years overseas without her consent, and has not paid maintenance during that time – whether she works or not;
  • A disabled woman – a woman receiving a disability pension, whether she works or not.

 Moving from one insurance plan to the other

With any change in the woman's marital or occupational status, the definition of her insurance type changes as well, according to the aforementioned conditions. It follows therefore that during the lifetime of any woman, she could be covered by Insurance Plan 1 at times and by Insurance Plan 2 at others.

For example:
A single female resident of Israel 18 years old will be covered by Insurance Plan 2.
- When she marries, if she does not work – she moves to Insurance Plan 1.
- When she begins to work – she reverts to Insurance Plan 2.
- If she divorces – she is covered by Insurance Plan 2, whether she works or not.