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    • 82much
    • By 82much 20th Apr 17, 2:25 PM
    • 394Posts
    • 422Thanks
    82much
    SP for widow
    • #1
    • 20th Apr 17, 2:25 PM
    SP for widow 20th Apr 17 at 2:25 PM
    For a woman who paid the 'small' stamp and therefore gets 60% on husbands stamps what would she get if husband died. She is in early 70's - husband has a very modest private pension which he draws on as required (drawdown). As her husband is rather poorly and a lot older than her she is concerned she wouldn't be entitled to SP and wonders how she will manage as and when.
Page 1
    • JezR
    • By JezR 20th Apr 17, 2:51 PM
    • 1,476 Posts
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    JezR
    • #2
    • 20th Apr 17, 2:51 PM
    • #2
    • 20th Apr 17, 2:51 PM
    If her husband has a 100% basic (old) state pension then should he die first, as widow she would then get this, plus inheritance of any additional state pension. The rate of inheritance of this would be 50% of any Grad and SSP and 50-100% of SERPS which depends on the husband's age which you haven't indicated. Although if he was possibly contracted out this may not be relevant. She may also be entitled to pension credit, depending on circumstances.
    • xylophone
    • By xylophone 20th Apr 17, 4:41 PM
    • 21,291 Posts
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    xylophone
    • #3
    • 20th Apr 17, 4:41 PM
    • #3
    • 20th Apr 17, 4:41 PM
    https://www.savvywoman.co.uk/1594/what-happens-to-your-state-pension-when-you-die/

    You mention that he has a private pension in drawdown -

    http://www.hl.co.uk/pensions/drawdown/what-happens-when-i-die

    may be relevant but his pension administrator should clarify.

    There is information here about Pension Credit which may be relevant to her situation if she is widowed and left in straitened circumstances.

    http://www.ageuk.org.uk/Documents/EN-GB/Factsheets/FS48_Pension_Credit_fcs.pdf?dtrk=true
    • 82much
    • By 82much 21st Apr 17, 10:37 PM
    • 394 Posts
    • 422 Thanks
    82much
    • #4
    • 21st Apr 17, 10:37 PM
    • #4
    • 21st Apr 17, 10:37 PM
    Many thanks both I will pass the info on and hopefully this will put her mind at rest.
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