An insured woman


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  • A woman will be insured with old-age insurance from age 18 and older iif she is an Israeli resident , in accordance with the conditions detailed below.
  • If a woman immigrated to Israel she will receive an old age pension only if she first immigrated before retirement age, which is determined according to her birthdate. For instance: a woman born in December 1959 will be insured if she immigrated in the country before the age of 62.

Types of insurance

A woman's insurance type is determined according to her marital status (married, single, divorced and so forth) and her occupational status (whether she is working or not). Since a woman may change her marital or occupational status over the course of her life, her plan will also change accordingly.

Please note that the type of insurance has an influence on the calculation of the qualifying period she needs to complete and on the age from which she will start receiving a pension.

A woman will be "insured" 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 a "working insured" 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 with old-age insurance – 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 (Aguna) 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.

 Shifting 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.

For example: A single female resident of Israel 18 years old will be covered "as working insured", although the type of insurance may change: if she got married when she was not working - she will be "insured"; when she'll start working - she will become a "working insured", and if she divorce - she wil be  a "working insured" regardless of her work status.

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